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Rates

Deposit Rates

All Savings accounts and Checking accounts are variable rate accounts. Rate may change after account opening. Fees may reduce earnings.

Key Rewards
	Interest Rate	APY	Min. Balance to earn APY	Minimum to Open
Key Rewards Saver Bonus	1.00%	1.00%	N/A	$25.00
Key Rewards Saver Bonus	0.50%	0.50%	$100,000.01	$25.00
Key Rewards Saver Standard	0.25%	0.25%	$0	$25.00
Key Rewards Checking Bonus	2.23%	2.25%	N/A	$25.00
Key Rewards Checking Bonus	0.75%	0.75%	$50,000.01	$25.00
Key Rewards Checking Standard	0.10%	0.10%	$0	$25.00

Must meet Key Rewards Checking requirements to receive bonus rates

Savings Accounts
	Interest Rate	APY	Min. Balance to earn APY	Minimum to Open
Key Savings	0.10%	0.10%	$10.00	$10.00
Silver Key Savings	0.10%	0.10%	$50 to $2,499.99	$50.00
	0.10%	0.10%	$2,500 to $9,999.99
	0.10%	0.10%	$10,000 to $24,999.99
	0.25%	0.25%	$25,000 to $49,999.99
	0.50%	0.50%	$50,000 and over
Gold Key Savings	0.10%	0.10%	$500 to $24,999.99	$100.00
	0.25%	0.25%	$25,000 to $49,999.99
	0.50%	0.50%	$50,000 to $99,999.99
	0.75%	0.75%	$100,000 to $249,999.99
	1.00%	1.00%	$250,000 to $499,999.99
	1.24%	1.25%	$500,000 to $999,999.99
	1.49%	1.50%	$1,000,000 and over
Group Savings	0.10%	0.10%	$25.00	$25.00
Christmas Savings Plan	0.10%	0.10%	$10.00	$10.00
Passbook Savings Plan	0.10%	0.10%	$0.00	$10.00
Moola Savings	2.96%	3.00%	Up to $500.00	$5.00
	0.10%	0.10%	Over $500.00

 

Checking Accounts
	Interest Rate	APY	Min. Balance to earn APY	Min. Opening Balance
Key Checking	N/A	N/A	N/A	$25.00
Group Checking	N/A	N/A	N/A	$25.00
Silver Key Checking	0.10%	0.10%	$500.00	$50.00
Gold Key Checking	0.25%	0.25%	$500.00	$100.00

All Savings Accounts and Checking Accounts are Variable Rate Accounts.

Traditional IRA & Roth IRA
	Interest Rate	APY	Penalty for Early Withdrawal	Min. Bal. to Earn APY	Min Opening Balance
6 Month Certificate	.50%	.50%	90 Days	$.00	$500.00
8 Month Certificate	1.00%	1.00%	90 Days	$.00	$500.00
12 Month Certificate	.50%	.50%	180 Days	$.00	$500.00
18 Month Certificate	.75%	.75%	180 Days	$.00	$500.00
22 Month Certificate	1.49%	1.50%	180 Days	$.00	$500.00
24 Month Certificate	.75%	.75%	180 Days	$.00	$500.00
30 Month Certificate	.75%	.75%	180 Days	$.00	$500.00
36 Month Certificate	.75%	.75%	360 Days	$.00	$500.00
38 Month Certificate	1.98%	2.00%	360 Days	$.00	$500.00
47 Month Certificate	2.71%	2.75%	360 Days	$.00	$500.00
48 Month Certificate	.75%	.75%	360 Days	$.00	$500.00
57 Month Certificate	3.05%	3.10%	360 Days	$.00	$500.00
60 Month Certificate	.75%	.75%	360 Days	$.00	$500.00

Certificates of Deposit *
	Interest Rate	APY	Penalty for Early Withdrawal	Min. Bal. to earn APY	Min. to Open
6 Month Certificate	.50%	.50%	90 Days	$500.00	$500.00
8 Month Certificate	1.00%	1.00%	90 Days	$500.00	$500.00
12 Month Certificate	.50%	.50%	180 Days	$500.00	$500.00
18 Month Certificate	.75%	.75%	180 Days	$500.00	$500.00
22 Month Certificate	1.49%	1.50%	180 Days	$500.00	$500.00
24 Month Certificate	.75%	.75%	180 Days	$500.00	$500.00
30 Month Certificate	.75%	.75%	180 Days	$500.00	$500.00
36 Month Certificate	.75%	.75%	360 Days	$500.00	$500.00
38 Month Certificate	1.98%	2.00%	360 Days	$500.00	$500.00
47 Month Certificate	2.71%	2.75%	360 Days	$500.00	$500.00
48 Month Certificate	.75%	.75%	360 Days	$500.00	$500.00
57 Month Certificate	3.05%	3.10%	360 Days	$500.00	$500.00
60 Month Certificate	.75%	.75%	360 Days	$500.00	$500.00

* A Penalty will be imposed for early withdrawal. Early withdrawal penalties may reduce earnings.

Money Market Accounts
	Interest Rate	APY	Min. Bal. to Earn APY	Min. Opening Balance
Personal Money Market	0.10%	0.10%	$.01 - $4,999.99	$25.00
	0.50%	0.50%	$5,000.00 & above	$25.00

Money Market accounts are variable rate accounts. Rates may change after account opening. Fees may reduce earnings.