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Deposit Rates
Savings
Rates effective September 12th, 2024
| Positively Different Savings | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| At least $0.01 | 0.10% | 0.10% |
| * All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $25 required to open account. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Money Market
Rates effective September 12th, 2024
| Positively Different Money Market | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| $0.01 - 14,999.99 | 0.50% | 0.50% |
| $15,000 - 24,999.99 | 0.50% | 0.50% |
| $25,000 - 49,999.99 | 0.50% | 0.50% |
| $50,000 - 99,999.99 | 0.50% | 0.50% |
| $100,000 - 249,999 | 0.50% | 0.50% |
| $250,000 & up | 0.50% | 0.50% |
| * All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $25 required to open account. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Premier Money Market
Rates effective September 12th, 2024
| Premier Money Market | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| $0.01 - 24,999.99 | 1.27% | 1.28% |
| $25,000 - 99,999.99 | 2.96% | 3.00% |
| $100,000 - 249,999 | 3.20% | 3.25% |
| $250,000 - 499,999.99 | 3.45% | 3.50% |
| $500,000 - 999,999.99 | 3.69% | 3.75% |
| $1,000,000 & up | 3.69% | 3.75% |
| * All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $25 required to open account. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
SmartRate Checking
Rates effective September 12th, 2024
| SmartRate Checking | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| Balance up to and including $10,000 | 1.00% | 1.00% |
| That portion of your balance that is greater than $10,000 | 0.25% | 1.00% to 0.40% |
| * All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $25 required to open account. If your daily balance is $10,000 or less, the interest rate paid on the entire balance will be 1.00% with an annual percentage yield of 1.00%. An interest rate of 0.25% will be paid only for that portion of your daily balance that is greater than $10,000. The annual percentage yield for this tier will range from 1.00% APY to 0.40% APY. For example purposes only, this APY range is calculated assuming account balances from $10,000.01 to $50,000.00. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Rates effective September 12th, 2024
| Positively Direct Interest Checking | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| At least $0.01 | 0.10% | 0.10% |
| * All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $25 required to open account. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Premium Interest Checking
Rates effective September 12th, 2024
| Positively Premium Interest Checking | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| $0.01 - 1,499.99 | 0.05% | 0.05% |
| $1,500 & up | 0.10% | 0.10% |
| * All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $25 required to open account. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
50+ Interest Checking
Rates effective September 12th, 2024
| Positively 50+ Interest Checking | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| At least $0.01 | 0.10% | 0.10% |
| * All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $25 required to open account. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Certificates of Deposit (CDs)
Rates effective September 12th, 2024
| Certificates of Deposit | |||
|---|---|---|---|
| Duration | Minimum Balance to Earn APY | What you get | |
| Interest Rate | APY* | ||
| 4 Month Special** | $500 | 4.65% | 4.75% |
| 8 Month Special** - Open Now | $500 | 4.51% | 4.60% |
| 9 Month - Open Now | $500 | 2.23% | 2.25% |
| 12 Month - Open Now | $500 | 4.27% | 4.35% |
| 18 Months | $500 | 3.69% | 3.75% |
| 2 Years | $500 | 3.45% | 3.50% |
| * All rates and annual percentage yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Certificates of Deposit are subject to penalty for early withdrawal of principal. Cannot be combined with any other offers. **4-month and 8-month CDs are not available as IRAs. All CD terms listed are available to business and consumer clients. |
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Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Business Account Rates
Money Market
Rates effective September 12th, 2024
| Positively Different Business Money Market | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| $0.01 - 24,999.99 | 1.98% | 2.00% |
| $25,000 - 99,999.99 | 1.98% | 2.00% |
| $100,000 - 249,999.99 | 2.23% | 2.25% |
| $250,000 - 499,999.99 | 2.47% | 2.50% |
| $500,000 - 999,999.99 | 2.72% | 2.75% |
| $1,000,000 & up | 2.96% | 3.00% |
| * All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $25 required to open account. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Non Profit Money Market
Rates effective September 12th, 2024
| Non Profit Money Market | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| $0.01 - 24,999.99 | 3.45% | 3.50% |
| $25,000 - 99,999.99 | 3.45% | 3.50% |
| $100,000 - 249,999.99 | 3.45% | 3.50% |
| $250,000 - 499,999.99 | 3.45% | 3.50% |
| $500,000 - 999,999.99 | 3.45% | 3.50% |
| $1,000,000 & up | 3.45% | 3.50% |
| * All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $10,000 required to open account. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Business Checking
Rates effective September 12th, 2024
| Positively Business Interest Checking | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| At least $0.01 | 0.10% | 0.10% |
| * All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $25 required to open account. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Business Savings
Rates effective September 12th, 2024
| Positively Different Business Savings | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| At least $0.01 | 0.10% | 0.10% |
| * All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $25 required to open account. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Mortgage Rates
Home Equity Loans & Lines of Credit
Rates effective September 12th, 2024
| Home Equity Loan - 20 Year Fixed Rate | ||||
|---|---|---|---|---|
| Rate | Points | APR | Lock Period | Payment per Thousand |
| 9.500% | 0 | 9.468% | 50 Days | $9.16 |
| Home Equity Loan - 15 Year Fixed Rate | ||||
| Rate | Points | APR | Lock Period | Payment per Thousand |
| 9.250% | 0 | 9.259% | 50 Days | $10.14 |
| Home Equity Line of Credit (HELOC) | ||||
| APR | APR (w/ Auto Pay) | Lock Period | Comments/Conditions | |
| 9.000% Prime + .50% | 8.500% Prime + 0.0% | 55 Days | No minimum draw required at closing. APR subject to Prime rate. See important disclosures and assumptions | |
See Important Disclosures, Assumptions and APR Information
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Consumer Loan Rates
Personal Loans
Rates effective September 12th, 2024
| Personal Loans | |||||
|---|---|---|---|---|---|
| Amount | Annual Percentage Rate (APR)* | Term | Payment Per Thousand | APR with AutoPay | Payment Per Thousand with AutoPay |
| Under $5,000 | 15.00% | 12 months | $90.26 | 14.50% | $90.02 |
| 15.00% | 48 months | $27.83 | 14.50% | $27.58 | |
| $5,000 and over | 16.00% | 12 months | $90.73 | 15.50% | $90.49 |
| 16.00% | 48 months | $28.34 | 15.50% | $28.08 | |
| *The Personal Loans rates are subject to change without notice | |||||
Time Notes
Rates effective September 12th, 2024
| Time Notes | |||
|---|---|---|---|
| Amount | Annual Percentage Rate (APR)* | Term | Payment Per Thousand |
| $500 - $20,000 | 15.00% | 90 days | $341.70 |
| 16.00% | 180 days | $174.53 | |
| *The Time Notes rates are subject to change without notice | |||