Current Rates

Effective Through April 21, 2015

Checking and Savings Accounts

Account Minimum Deposit to earn APY* Interest Rate** Annual Percentage Yield

Eas-E Checking

     
     Average Daily Balance – $0.01 - $5,000.00 1.00% 1.00%
     Average Daily Balance – $5,000.01 and above 0.25% 0.25%
Accounts not meeting the account qualifications for specified interest rate will receive base interest rate of 0.10% APY on entire balance.

Rewards Checking

$100.00 0.10% 0.10%

Total Rewards Checking

$100.00 0.20% 0.20%

Business Smart Checking

     
     Average Daily Balance – $0.01 - $10,000.00 1.00% 1.00%
     Average Daily Balance – $10,000.01 and above 0.25% 0.25%
Accounts not meeting the account qualifications for specified interest rate will receive base interest rate of 0.10% APY on entire balance.

Statement Savings Account 

     Daily Balance 200.00 and above 0.20% 0.20%

Student Savings Account  

     Daily Balance 100.00 and above 0.50% 0.50%

Business Savings Account  

     Daily Balance 200.00 and above 0.20% 0.20%
Magnolia Money Market Account 
     Daily Balance 2,500.00 - 9,999.99 0.10% 0.10%
     Daily Balance 10,000.00 - 24,999.99 0.15% 0.15%
     Daily Balance 25,000.00 - 99,999.99 0.20% 0.20%
     Daily Balance 100,000.00 - 199,999.99 0.25% 0.25%
     Daily Balance 200,000.00 - 499,999.99 0.30% 0.30%
     Daily Balance 500,000.00 and above  1.01% 1.01%

Business Money Market Account 

      Daily Balance 2,500.00 - 9,999.99 0.10% 0.10%
      Daily Balance 10,000.00 - 24,999.99 0.15% 0.15%
      Daily Balance 25,000.00 - 99,999.99 0.20% 0.20%
      Daily Balance 100,000.00 - 199,999.99 0.25% 0.25%
     Daily Balance 200,000.00 - 499,999.99 0.30% 0.30%
     Daily Balance 500,000.00 and above  1.01% 1.01%

Health Savings Account

      Daily Balance 0.00 - 2,499.99 0.20% 0.20%
      Daily Balance 2,500.00 - 9,999.99 0.40% 0.40%
      Daily Balance 10,000.00 and above 0.60% 0.60%

Christmas Club Account  

      Daily Balance 10.00 and above   0.40%   0.40% 

Certificates of Deposit

Term Minimum Deposit to earn APY* Interest Rate** Annual Percentage Yield
3 Month $500.00 0.30% 0.30%
6 Month $500.00 0.30% 0.30%
9 Month  $500.00 0.25% 0.25%
1 Year  $500.00 0.50% 0.50%
1 Year Student Saver              $100.00  1.00% 1.00%
18 Month $500.00 0.40% 0.40%
2 Year  $500.00  0.60%  0.60%
3 Year  $500.00 0.70% 0.70%
4 Year  $500.00 1.00% 1.00%
5 Year  $500.00 1.24% 1.25%
13 Month $500.00 1.01% 1.01%
25 Month $500.00 1.24% 1.25%
42 Month $500.00 1.34% 1.35%
55 Month $500.00 1.64% 1.65%

 Individual Retirement Accounts

Term Minimum Deposit to earn APY* Interest Rate** Annual Percentage Yield
3 Month $500.00 0.30% 0.30%
6 Month $500.00 0.30% 0.30%
9 Month $100.00 0.25% 0.25%
1 Year    $100.00 0.50% 0.50%
18 Month $100.00 0.40% 0.40%
2 Year  $100.00  0.60%  0.60%
3 Year $100.00 0.70% 0.70%
4 Year $100.00 1.00% 1.00%
5 Year $100.00 1.24% 1.25%
13 Month $500.00 1.01% 1.01%
25 Month $500.00 1.24% 1.25%
42 Month $500.00 1.34% 1.35%
55 Month $500.00 1.64% 1.65%

*Annual Percentage Yield. Fees could reduce earnings on the account. Early withdrawal penalties may be imposed.
** Rates are subject to change at any time.

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