Personal Business

Personal Business

Compare Our Rates

This Interest Rate Chart contains information about interest rates and annual percentage yields for some of the accounts we offer. Interest Rates effective as of January 29, 2015 For CD’s over $100,000 please call your local branch for current interest rates.

Certificate of Deposit

Product Name Minimum Opening Deposit Minimum Balance to obtain APY Interest Rate Annual Percentage Yield
3 Months a $1,000.00 $1,000.00 c 0.05% 0.05%
6 Months a $1,000.00 $1,000.00 c 0.05% 0.05%
12 Months a $1,000.00 $1,000.00 c 0.05% 0.05%
18 Months a $1,000.00 $1,000.00 c 0.15% 0.15%
24 Months a $1,000.00 $1,000.00 c 0.25% 0.25%
30 Months a $1,000.00 $1,000.00 c 0.40% 0.40%
36 Months a $1,000.00 $1,000.00 c 0.60% 0.60%
48 Months a $1,000.00 $1,000.00 c 0.80% 0.80%
60 Months a $1,000.00 $1,000.00 c 1.20% 1.21%
**12 Months Royal Express a $1,000.00 $1,000.00 c 0.15% 0.15%
** must have existing Royal Express deposit account to qualify for this rate.

Checking Accounts

Product Name Minimum Opening Deposit Minimum Balance to obtain APY Interest Rate Annual Percentage Yield
***Personal Relationship b $100.00 $100.00 0.15% 0.15%
Now Accounts b $100.00 $800.00 c 0.15% 0.15%
Super Now Accounts b $100.00 $1,000.00 c
Daily Balances: $1,000.00 – $2,499.99 0.15% 0.15%
$2,500.00 and up 0.20% 0.20%
Business Super Now b $100.00 $1,000.00 c
Daily Balances: $1,000.00 – $2,499.99 0.15% 0.15%
$2,500.00 and up 0.20% 0.20%
Money Market Account b $100.00 $1,000.00 c
Daily Balances: up to $2,499.99 0.05% 0.05%
$2,500.00 – $9,999.99 0.05% 0.05%
$10,000.00 – $24,999.99 0.10% 0.10%
$25,000.00 – $49,999.99 0.15% 0.15%
$50,000.00 – $99,999.99 0.20% 0.20%
$100,000.00 – $249,999.99 0.30% 0.30%
$250,000.00 – $999,999.99 0.30% 0.30%
$1,000,000.00 and up Contact us for this rate
***With $20,000 in combined deposit balances in checking, savings, money market accounts, certificates of deposit or, $20,000 in retail loan balances or lines of credit.

Savings Accounts

Product Name Minimum Opening Deposit Minimum Balance to obtain APY Interest Rate Annual Percentage Yield
Savings b $100.00 $100.00 d 0.10% 0.10%
IRA Savings a b $100.00 $100.00 c 0.10% 0.10%
Vacation Club b $100.00 $100.00 d 0.10% 0.10%
Christmas Club b $100.00 $100.00 d 0.10% 0.10%

Specials

Product Name Minimum Opening Deposit Minimum Balance to obtain APY Interest Rate Annual Percentage Yield
3 Months Savings plus CD a $1,000.00 $1,000.00 c 0.10% 0.10%
Fees could reduce earnings on the account.
Interest Rates and Annual Percentage Yields are current. Interest Rates are subject to change without prior notice. For current Interest Rate information please contact your local branch.

a) A penalty will be imposed for early withdrawal.

b) The interest rate and annual percentage yield may change after account opening.

c) Daily balance. The amount of the principal in the account each day.

d) Average daily balance. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing the figure by the number of days in the period.

Business Hours - Windsor, Smithfield, Hillpoint, Lakeside

Monday-Thursday: 9am to 5pm Friday: 9am to 6pm
Weekend: Closed

Business Hours - Harbour View, Courtland

Monday-Thursday: 9am to 4pm Friday: 9am to 6pm
Weekend: Closed

All Drive through locations are open until 6pm Monday-Friday

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