Deposit Rates

Personal Checking Accounts

Personal Savings Account

CD & IRA Accounts

Business Checking Accounts

Business Savings Accounts

Rates: Personal Checking Accounts

Account Name  

 Minimum
Opening Deposit  

  Annual Percentage 
Yield
  Minimum Daily
Balance to Avoid Service Charge

1st Premier Checking                                                   

$0-$49,999.99 $25,000 0.01% $100,000
$50,000 and greater $25,000 0.05% $100,000

1st Interest Checking     

$1,000 0.05% $1,000
Home 1st Checking
$0-$49,999.99 $1,000 0.01% $2,500
$50,000 and greater $1,000 0.05% $2,500
1st Rewards1
$0 - $9,999.99 $10,000 0.05% $10,000
$10,000 - $100,999.99 $10,000 0.40% $10,000
$101,000 - $248,999.99 $10,000 0.45% $10,000
$249,000 and greater $10,000 0.50% $10,000

1st Classic Checking

$100 0.05% $0.00

1st Options Checking  

$100 NA $500

1Relationship Account Requirement: To open this account the customer must maintain an active consumer or business checking account product. If an active consumer or business account is not maintained, then a monthly maintenance service charge will be assessed.

Rates: Personal Savings Accounts

Account Name

Minimum
Opening Deposit  
Annual Percentage
Yield 

Minimum Daily
Balance to Avoid Service Charge

eBanking High Yield Money Market2   

$0-$4,999.99 $1,500 0.05% $1,500
$5,000-$49,999.99 $1,500 0.10% $1,500
$50,000-$99,999.99 $1,500 1.10% $1,500
$100,000 and greater $1,500 1.15% $1,500

Tiered Rate Money Market

$0-$4,999.99 $1,500 0.01% $1,500
$5,000-$49,999.99 $1,500 0.05% $1,500
$50,000-$99,999.99 $1,500 0.75% $1,500
$100,000 and greater $1,500 0.80% $1,500

Preferred Savings

$300 0.05% $300

Youth Savings

$5 0.10% $0

Uniform Transfer to Minors                                

$50 0.10%  $0

Optimum Savings2

$0-$5,000.00 $100 3.00% NA
$5,000.01 and greater $100 3.00% to 0.50% NA

2Relationship Account Requirement: To open this account the customer must maintain an active consumer or business checking account product. If an active consumer or business checking account is not maintained, then a monthly maintenance service charge will be assessed.

Rates: Certificates of Deposit and Certificate IRAs (Traditional, SEP, Coverdell & Roth)

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Account Name Minimum Opening Deposit Annual Percentage
Yield
Annual Percentage Yield with Relationship Account*

 Certificates of Deposit        

90-Day $500 0.05% 0.40%
180-Day $500 1.15% 1.50%
210-Day $500 0.15% 0.50%
270-Day $500 0.15% 0.50%
1-Year $500 2.10% 2.45%
13-Month $500 1.00% 1.35%
15-Month $500 0.30% 0.65%
18-Month $500 2.00% 2.35%
21-Month $500 1.75% 2.10%
2-Year   $500 1.40% 1.75%
30-Month $500 2.20% 2.55%
3-Year $500 0.85% 1.20%
40-Month $500 0.90% 1.25%
4-Year $500 1.20% 1.55%
5-Year $500 2.25% 2.60%
Specials
11-Month $25,000 1.65% 2.00%
16-Month $25,000 2.50% NA
*Relationship Rate Requirements: To receive this APY and rate, you must maintain an active consumer or business checking account. See the consumer or business account disclosures for specific checking account product requirements. 
APY/Rate information noted above is effective as of January 7, 2019. APY/Rates are subject to changes daily.

Rates: Business Checking Accounts

Account Name Minimum Opening
Deposit
Annual
Percentage
Yield
Minimum Daily
Balance to Avoid Service Charge

1st Business Checking                                                      

$100 NA $1,500

Premier Business Checking         

$100 NA See below**

Nonprofit Checking

$100 NA $2,500

Small Business Checking

$100 NA NA

**This account pays an Earnings Credit Allowance.  Balances earn a credit that may offset monthly maintenance and transaction fees and charges.

Rates: Business Savings Accounts

Account Name

Minimum Opening
Deposit
Annual
Percentage
Yield
Minimum Daily
Balance to Avoid Service Charge
Business Money Market                                                                            
$0-$49,999.99 $1,500 0.15% $1,500
$50,000-$99,999.99 $1,500 0.50% $1,500
$100,000-$999,999.99 $1,500 0.65% $1,500
$1,000,000 and greater $1,500 1.20% $1,500
Business Savings $500 0.05% $500
Nonprofit Savings***                        
$0-$2,499.99 $2,500 0.00% $2,500
$2,500-$4,999.99 $2,500 0.05% $2,500
$5,000-$9,999.99 $2,500 0.10% $2,500
$10,000-$49,999.99 $2,500 0.25% $2,500
$50,000-$99,999.99 $2,500 0.50% $2,500
$100,000 and greater $2,500 1.10% $2,500

***Relationship Account Requirement: To open this account the customer must maintain an active Nonprofit or Premier Business Checking Account.

We pay a competitive rate on amounts over $2,500,000.  Call your local branch for rate information.