Rates

Interest RateAPY*Minimum to Open Account
Freedom Rewards Checking1.74%

On balances up to $10,000

1.75%$50
0.20%

On balances over $10,000

The APY will range from 1.75% to 0.34% depending on the balance in your account.
0.05%

On non-qualifying balances

0.05%

On non-qualifying balances

Simply do the following each monthly qualification cycle:

• Have at least 12 debit card purchases post and settle

• Have at least 1 direct deposit or automatic payment (ACH) post and settle

• Be enrolled and receive Email Statements

• Be enrolled and log into Redi-Net online banking at least once a month


*APY=Annual Percentage Yield. APYs accurate as of 07/01/2013. Rates may change after account is opened. Minimum to open is $50. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up $5 per single transaction and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 1.75%; and (3) balances over $10,000 earn 0.20% interest rate on portion of balance over $10,000, resulting in 1.75% - 0.34% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. The "Monthly Qualification Cycle" is from the Wednesday following the 4th Tuesday of the month through the 4th Tuesday of the following month. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. Limit two accounts per household. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.



Certificate TermInterest RateAPY*Minimum Deposit
182 Days 0.25%0.25%$1000
9 Months0.30%0.30%$1000
12 Months0.35%0.35%$1000
15 Months0.40%0.40%$1000
18 Months0.35%0.35%$1000
24 Months0.61%0.61%$1000
30 Months0.75%0.75%$1000
33 Months0.80%0.80%$1000
36 Months0.85%0.85%$1000
48 Months1.20%1.20%$1000
60 Months1.55%1.56% $1000
Freedom CD 24 Months

1 No Penalty Withdrawal

0.45%0.45%$5000
Interest RateAPY*Minimum Deposit
Money Market0.15%0.15%$2,500
Interest RateAPY*Minimum Deposit
NOW Account0.10%0.10%$50
Interest RateAPY*Minimum Deposit
Statement Savings0.25%0.25%$10

*Annual Percentage Yield. Interest rates are accurate as of May 6, 2014. Fees could reduce earnings on these accounts. A penalty may be imposed for early withdrawal from Certificate of Deposit accounts. Annual percentage yields are based upon quarterly compounding for Certificates of Deposit and Statement Savings; monthly compounding for Money Market, NOW Accounts and Freedom Rewards Checking. The interest rate and APY may change daily on Statement Savings, Money Market, NOW Accounts and Freedom Rewards Checking.