Rates

Annual Percentage Yield accurate as of December 15th, 2017.

Time Deposits

(1) TermInterest RateAnnual Percentage Yield
30 Day Time Deposits0.20%0.20%
60 Day Time Deposits0.20%0.20%
90 Day Time Deposits0.25%0.25%
182 Day Time Deposits0.50%0.50%
12 Month Time Deposits0.75%0.75%
18 Month Time Deposits1.00%1.00%
24 Month Time Deposits1.15%1.15%
36 Month Time Deposits1.40%1.40%
48 Month Time Deposits1.65%1.65%
60 Month Time Deposits1.75%1.75%

Consumer NOW Accounts

Account NameInterest RateAnnual Percentage Yield
Better Than Free (2)0.05%0.05%
Platinum Checking (3)2.47% on balances up to $15,000 if qualifications met

0.50% on balances $15,000 and over if qualifications met

0.05% when qualifications are not met
2.50% on balances up to $15,000 if qualifications met

2.50% to 0.76% on balances $15,000 and over if qualifications met

0.05% when qualifications are not met

Consumer Savings Accounts

Account NameInterest RateAnnual Percentage Yield
Money Market Account (4)0.30%0.30%
Savings Account (5)0.20%0.20%
Children’s Savings (6)0.20%0.20%
Platinum Savings (7)1.00% for balances up to $15,000 if qualifications met

0.50% on balances $15,000 and over if qualifications are met

0.05% when qualifications are not met
1.00% on balances up to $15,000 if qualifications met

1.00% to 0.57% on balances $15,000 and over if qualifications met

0.05% when qualifications are not met

Business Interest Checking

Account NameInterest RateAPY*
Business Growth – Low Volume Checking (8)Non-interest bearingN/A
Business Growth – High Volume (Analyzed) Checking (9)Non-interest bearingN/A
Community Growth – Low Volume Checking (10)Non-interest bearingN/A
Business Growth Interest Checking (11)0.15%0.15%

Business MMDA

Account NameInterest RateAPY*
Business Growth – MMDA (12)0.30%0.30%
Business Growth – PrimeFlex MMDA (13)1.00%1.00%


* Please note that APY = Annual Percentage Yield. Annual Percentage Yield means a percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period.

All rates and APY are variable and subject to change without prior notice. Contact us at 1-877-455-1898.

1. Minimum balance of $1,000 to open and to earn APY. Withdrawals prior to maturity are subject to an early withdrawal penalty and could reduce earnings. IRAs use the same rates as regular CDs. Available to both consumer and business entities. Not available to financial institutions, credit unions, or brokers.

2. Better Than Free checking requires $100 to open the account. No regular monthly service charge. Any day the account has a collected balance of $1,000 or more it will earn APY.

3. Platinum Checking requires you to perform certain qualifiers to earn the highest APY stated. To qualify, you must perform all of the following during the monthly qualification cycle: (1) Have at least 12 debit card POS transactions post and settle; (2) Have at least one automatic payment (ACH) or direct deposit post and settle: (3) Be enrolled and log into on-line banking; and (4) Be enrolled and receive electronic statements. Minimum to open account is $100. Fees may reduce earnings. Debit card transactions must be point of sale transactions. ATM withdrawals do not count towards qualifying debit card transactions. Intra-bank transfers do not count as qualifying direct deposits or auto debits. An ACH transaction could either be a deposit or a withdrawal. All qualification transactions must be posted to the account during the qualification cycle. Transactions could take anywhere from, but not limited to, 1-5 business days to post to an account from the date the transaction is made. ATM fee refunds up to $20 are provided only if qualifications are met within qualification cycle.

4. Consumer Money Market Account requires $2,500 to open the account. Minimum collected balance of $1,000 required to earn APY. If the balance falls below $2,500, a monthly maintenance fee of $10.00 per statement cycle is charged. Fees could reduce earnings. Limited to 6 transfers from your account each statement cycle by checks to third parties or withdrawals to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party. In person transactions and ATM transactions are not included within the transaction limits and an excess debit fee will not be charged for these types of transactions. An excess debit fee of $10 per item will be charged for each transaction in excess of the above transaction limitations. Accounts that routinely exceed the six withdrawals will be converted to a consumer transaction checking account.

5. Regular Savings requires $100 to open the account. Minimum collected balance of $100 required to earn APY and to avoid a $10 service charge. Any withdrawal in excess of 2 per statement cycle will result in a fee of $2.50 per withdrawal. Fees could reduce earnings.

6. Children's Savings requires $10 to open the account. Positive collected balance required to earn annual percentage yield. Any withdrawals in excess of 2 per statement cycle will result in a fee of $2.50 per withdrawal. Fees could reduce earnings. Available for under 18 year olds. Will convert to Regular Savings when child turns 18 and subject to the regular savings account $100 to earn APY and to avoid $10 service charge.

7. Platinum Savings requires $100 to open the account. Refer to item 3 above for qualification requirements. Fees could reduce earnings.You must have a Platinum checking account to open a Platinum Savings account. Any withdrawals in excess of 2 per statement cycle will result in a fee of $2.50 per withdrawal. Interest earned in Platinum Checking is automatically transferred to Platinum Savings each statement cycle; as a result, the actual interest amount paid for Platinum Checking may be less than the APY disclosed for that account. The Platinum Savings APYs may be less than the Platinum Checking APYs.

8. Business Growth – Low Volume Checking requires $100 to open the account. The account allows for unlimited deposits and withdrawals. Transactions in excess of 150 are charged $0.50 per item, which includes deposits, other credits, deposited items, checks and other withdrawals. Transaction count and prices are subject to change without notice.

9. Business Growth – High Volume (Analyzed) Checking requires $100 to open the account. The account allows for unlimited deposits and withdrawals. An Earnings Credit Allowance (ECA) is calculated on the Average Collected Balance and may help offset charges for this account. The Earnings Credit Rate (ECR) is currently 0.25%. ECR and service charges are subject to change without notice. Please visit your local State Bank & Trust Company branch for the latest service charge items for this account.

10. Community Growth – Low Volume Checking is available for community minded, not-for-profit organizations that provide services in the communities they serve. The account permits unlimited deposits and withdrawals. Transactions in excess of 200 are charged $0.50 per item, which includes deposits, other credits, deposited items, checks paid and other withdrawals. Transaction count and prices are subject to change without notice.

11. Business Growth Interest Checking requires $2,500 to open the account. Minimum collected balance of $1,000 required to earn APY and minimum daily balance of $2,500 required to avoid a $20 service charge. The account allows for unlimited deposits and withdrawals. Transactions in excess of 100 are charged $0.75 per item, which includes deposits, other credits, deposited items, checks and other withdrawals. Transaction count and prices are subject to change without notice. A fee of $1 per $1,000 will be charged for cash deposited or withdrawn in excess of $15,000 per month.

12. Business Growth Money Market requires $2,500 to open the account. Minimum collected balance of $1,000 required to earn APY and to avoid a $10 service charge. You may only make 6 transfers or withdrawals to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party. Fees could reduce earnings.

13. Business Growth Prime Flex MMDA requires $100,000 to open the account. Limited to 6 transfers from your account each statement cycle by checks to third parties or withdrawals to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party. In person transactions and ATM transactions are not included within the transaction limits and an excess debit fee will not be charged for these types of transactions. An excess debit fee of $10 per item will be charged for each transaction in excess of the above transaction limitations. If the balance falls below $100,000, a fee of $20.00 per statement cycle is charged.