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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 Interest Rate Annual Percentage Yield
3 Months a $1,000.00 0.05% 0.05%
6 Months a $1,000.00 0.05% 0.05%
12 Months a $1,000.00 0.05% 0.05%
18 Months a $1,000.00 0.15% 0.15%
24 Months a $1,000.00 0.25% 0.25%
30 Months a $1,000.00 0.40% 0.40%
36 Months a $1,000.00 0.60% 0.60%
48 Months a $1,000.00 0.80% 0.80%
60 Months a $1,000.00 1.20% 1.21%
**12 Months Royal Express a $1,000.00 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 Earn Interest Interest Rate Annual Percentage Yield
***Personal Relationship b $100.00 0.15% 0.15%
Now Accounts b $100.00 0.15% 0.15%
Super Now Accounts b $100.00
Daily Balances: $0 – $999.99
$1,000.00 – $2,499.99 $1,000.00 c 0.15% 0.15%
$2,500.00 and up $2,500.00 c 0.20% 0.20%
Business Interest Checking b $100.00
$0 – $999.99
Daily Balances: $1,000.00 – $2,499.99 $1,000.00 c 0.15% 0.15%
$2,500.00 and up $2,500.00 c 0.20% 0.20%
Money Market Account b $100.00
Daily Balances: up to $2,499.99 0.05% 0.05%
$2,500.00 – $9,999.99 $2,500.00 c 0.05% 0.05%
$10,000.00 – $24,999.99 $10,000.00 c 0.10% 0.10%
$25,000.00 – $49,999.99 $25,000.00 c 0.15% 0.15%
$50,000.00 – $99,999.99 $50,000.00 c 0.20% 0.20%
$100,000.00 – $249,999.99 $100,000.00 c 0.30% 0.30%
$250,000.00 – $999,999.99 $250,000.00 c 0.30% 0.30%
$1,000,000.00 and up $1,000,000.00 and up c * *
***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.
*Contact us for this rate

Savings Accounts

Product Name Minimum Opening Deposit Interest Rate Annual Percentage Yield
Savings b $100.00 0.10% 0.10%
IRA Savings a b $100.00 0.10% 0.10%

Specials

Product Name Minimum Opening Deposit Interest Rate Annual Percentage Yield
3 Months Savings plus CD a $1,000.00 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.

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