Rates

Deposit Rates


Interest Rates Effective October 28th, 2014
Revised 10/27/2014

Checking AccountsInterest Rate*APYMethod of CompoundingMinimum Deposit To Open And Earn APY
Pacific Pride Checking0.01%0.01%Daily$50.00
Cascades Checking $0 - $2,499.990.01%0.01%Daily$50.00
Cascades Checking $2,500.00 & above0.01%0.01%Daily$2,500.00

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Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.

Savings AccountsInterest Rate*APYMethod of CompoundingMinimum Deposit To Open And Earn APY
Statement Savings0.03%0.03%Daily$100.00
Transaction Savings0.03%0.03%Daily$100.00
Holiday Club0.03%0.03%Daily$25.00
Kids Club Savings0.03%0.03%Daily$1.00

NOTE: Annual Percentage Yield (APY) is based on a balance of $100.00.
Minimum Deposit to open is $1.00
Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.

First Rate Money MarketInterest Rate*APYMethod of CompoundingMinimum Deposit To Open And Earn APY
$1,000 to $9,999.990.01%0.01%Daily$1,000
$10,000.00 to $49,999.990.05%0.05%Daily$10,000.00
$50,000.00 to $99,999.990.10%0.10%Daily$50,000.00
$100,000.00 and Above0.25%0.25%Daily$100,000.00

Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.

   CDs

TermInterestAPYInterestAPYInterestAPYInterestAPY
 $100 to 9,999$10,000 to 49,999$50,000 to 99,9999$100,000 +
46 Day CD0.05%0.05%0.05%0.05%0.05%0.05%0.05%0.05%
3 Month CD0.05%0.05%0.05%0.05%0.05%0.05%0.05%0.05%
6 Month CD0.05%0.05%0.05%0.05%0.10%0.10%0.15%0.15%
1 Year CD0.05%0.05%0.10%0.10%0.15%0.15%0.20%0.20%
2 Year CD0.70%0.70%0.75%0.75%0.80%0.80%0.85%0.85%
3 Year CD0.89%0.89%0.94%0.94%0.99%0.99%1.04%1.05%
4 Year CD1.24%1.25%1.29%1.30%1.34%1.35%1.39%1.40%
5 Year CD1.38%1.39%1.43%1.44%1.48%1.49%1.53%1.54%

Annual Percentage Yield assumes principal and interest remain on deposit for term at the same interest rate. Penalties may be imposed on early withdrawal. Fees could reduce earnings. Interest compounds daily.

*APY assumes funds remain on deposit for 1 year.

Traditional IRA CDs

TermInterestAPYInterestAPYInterestAPYInterestAPY
 $500 to 9,999$10,000 to 49,999$50,000 to 99,999$100,000 +
1 Year0.05%0.05%0.10%0.10%0.15%0.15%0.20%0.20%
3 Years0.89%0.89%0.94%0.94%0.99%0.99%1.04%1.05%
5 Years1.38%1.39%1.43%1.44%1.48%1.49%1.53%1.54%

Annual Percentage Yield assumes principal and interest remain on deposit for term at the same interest rate to maturity. Penalties may be imposed on early withdrawal.   Minimum balance per tier required to open. Fees could reduce earnings.

Interest compounds daily. If principal is withdrawn prior to maturity a penalty may be imposed. The penalty is waived at age 59 ½.

Retirement & Education Savings Accounts

InterestAPYInterestAPYInterestAPY
$25 to $4,9990.05%0.05%0.05%0.05%0.05%0.05%
$5,000 to $24,9990.05%0.05%0.05%0.05%0.05%0.05%
$25,000 to 49,9990.10%0.10%0.10%0.10%0.10%0.10%
$50,000 and above0.15%0.15%0.15%0.15%0.15%0.15%

Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate.  Minimum balance per tier required to open. Fees could reduce earnings.

Interest compounds daily and the interest rate may change monthly. Additional Deposits allowed on this account at any time during term.

 

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