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Rates

Rates current as of February 17, 2015.

Checking Account Rates

Savings & Money Market Rates

49er Gold Club Rates

Business Account Rates

CD Rates

Loan Rates

Please note:

  • Rates are subject to change at any time without prior notice.
  • You must maintain the minimum balance associated with your account to obtain the disclosed annual percentage yield (APY). Fees may also reduce earnings on the account.
  • Interest is compounded and credited monthly for checking and money market accounts.
  • Interest is compounded and credited quarterly for savings accounts and CDs.
  • If the account is closed before the interest is credited, you will not receive the accrued interest.
  • A penalty may be imposed for early withdrawal of CD accounts.

Checking Account Rates

First Rate Direct Checking

Balance

Interest Rate

APY

Minimum Balance

Below $1,000

0.00%

0.00%

$0.01

$1,000+

0.05%

0.05% 

$1,000

First Rate Checking

Balance

Interest Rate

APY

Minimum Balance

Below $1,000

0.00% 

0.00%

$0.01

$1,000+

0.05%

0.05%

$1,000

Savings & Money Market Account Rates

Savings

Balance

Interest Rate

APY

Minimum Balance

Below $500

0.15%

0.15% 

$0.01

$500+

0.20% 

0.20%

$500

Premier Money Market

Balance

Interest Rate

APY

Minimum Balance

Below $5,000

0.10% 0.10% 

$0.01

$5,000 - $24,999.99

0.15% 

0.15% 

$5,000

$25,000 - $44,999.99

0.20%

0.20%

$25,000

$45,000 - $95,999.99

0.25%

0.25%

$45,000

$96,000+

0.35%

0.35%

$96,000

49er Gold Club Account Rates

Available to current 49er Gold Club members

49er Gold Club Checking

Balance

Interest Rate

APY

Minimum Balance

Below $500

0.00%

0.00% 

$0.01

$500+

0.20%

0.20%

$500

49er Premier Money Market

Balance

Interest Rate

APY

Minimum Balance

Below $5,000

0.15%

0.15% 

$0.01

$5,000 - $24,999.99

0.20%

0.20%

$5,000

$25,000 - $44,999.99

0.25%

0.25%

$25,000

$45,000 - $95,999.99

0.30%

0.30%

$45,000

$96,000+

0.40%

0.40% 

$96,000

49er Certificate of Deposit

Term

Interest Rate

APY

Minimum Balance

17 Months

1.00%

1.00% 

$1,000

31 Months

1.79%

1.80% 

$1,000

56 Months

2.08%

2.10%

$1,000

Business Account Rates

Commercial Interest Checking

Balance

Interest Rate

APY

Minimum Balance

Below $1,000

0.00% 

0.00%

$0.01

$1,000 - $24,999.99

0.10%

0.10% 

$1,000

$25,000 - $95,999.99

0.15% 

0.15%

$25,000

$96,000+

0.20%

0.20%

$96,000

Commercial Money Market

Balance

Interest Rate

APY

Minimum Balance

Below $1,000

0.10%

0.10% 

$0.01

$1,000 - $24,999.99

0.20%

0.20%

$1,000

$25,000 - $95,999.99

0.25%

0.25% 

$25,000

$96,000+

0.35%

 0.35%

$96,000

Credit allowance on Commercial Checking is available.

Certificate of Deposit (CD) Rates

Certificate of Deposit Specials

Term

Interest Rate

APY

Minimum Balance

17 Months

0.95%  0.95% 

$1,000

31 Months

1.74% 1.75%

$1,000

56 Months

2.03% 2.05%

$1,000

Certificate of Deposit

Term

Interest Rate

APY

Minimum Balance

One Month
(One month – 181 days)

0.15% 0.15%

$1,000

Six Months
(182 – 364 days)

0.20%  0.20%

$1,000

One Year
(12 – 23 months)

0.35% 0.35%

$1,000

Two Years
(24 – 35 months)

0.45% 0.45% 

$1,000

Three Years
(36 – 59 months)

0.75% 0.75%

$1,000

Five Years
(60 – 83 months)

1.39% 1.40%

$1,000

Seven Years
(84+ months)

1.59% 1.60%

$1,000

Loan Rates

Please contact a loan officer for the most current rate information.

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