Checking1

Account TypeMinimum Opening Deposit Min. Daily Balance to Earn APY* Interest Rate APY*
Dream Checking Rate Rewards $20,000 and under**$100.00N/A1.00%1.01%
Dream Checking Rate Rewards over $20,000.01**+ (see yield range below)$100.00$20,000.010.20%0.20%
Dream Checking Rate Rewards when requirements are not met**$100.00N/A0.03%0.03%
Prime Checking$100.00$250.000.03%0.03%
Interest Checking$100.00$1,000.000.03%0.03%
Premier Checking Balances Through $49,999.99$1,000.00N/A0.10%0.10%
Premier Checking Balances $50,000.00 - $99,999.99$1,000.00$50,000.000.12%0.12%
Premier Checking Balances $100,000.00 - $249,999.99$1,000.00$100,000.000.15%0.15%
Premier Checking Balances over $249,999.99$1,000.00$250,000.000.15%0.15%
Business Interest Checking$100.00$1,000.000.03%0.03%
  1. Rates are current as of today's date. Rates are subject to change.    *APY = Annual Percentage Yield
    Rate may change after account is opened.    Fees could reduce earnings

    **Dream Checking Rate Rewards Account - Dream rate available when three easy steps are met: 1) Have at least 12 debit card purchases post and settle per monthly qualification cycle (excluding ATM processed transactions), 2) Have at least one automatic payment or direct deposit post and settle per monthly qualification cycle, 3) Receive your account statement electronically (e-statements). 

    +Blended yield may range from 1.01% to 0.20% APY 

    N/A = Not Applicable

     

Savings2

Account TypeMinimum Opening Deposit Min. Daily Balance to Earn APY* Interest Rate APY*
Essential Savings$25.00$250.000.05%0.05%
Youth Savings$25.00N/A0.05%0.05%
Prime 60+ Savings$25.00N/A0.05%0.05%
Health Savings Account$100.00$250.000.05%0.05%
Christmas Club$25.00N/A0.05%0.05%
Business Savings$100.00$500.000.05%0.05%
  1. Rates are current as of today's date. Rates are subject to change.    *APY = Annual Percentage Yield

    Rate may change after the account is opened.    Fees could reduce earnings

    N/A = Not Applicable  

Personal Money Market3

Account BalanceInterest Rate APY*
$0 - $24,9990.05%0.05%
$25,000 - $99,9990.10%0.10%
$100,000 - $249,9990.12%0.12%
$250,000 - $499,9990.15%0.15%
$500,000 - $999,9990.15%0.15%
$1,000,000+0.15%0.15%
  1. Rates are current as of today's date. Rate are subject to change.

    *APY = Annual Percentage Yield

    $1,000.00 minimum opening deposit for personal money market

    $100.00 minimum opening deposit for business money market

    Rate may change after the account is opened.    Fees could reduce earnings

    Please contact your local branch for current Non-Personal Money Market rates.

     

     

Business Money Market4

Account BalanceInterest Rate APY*
$0 - $24,9990.05%0.05%
$25,000 - $99,9990.10%0.10%
$100,000 - $249,9990.15%0.15%
$250,000 - $499,9990.25%0.25%
$500,000 - $999,9990.35%0.35%
$1,000,000 and up0.35%0.35%
  1. Rates are current as of today's date. Rate are subject to change.

    *APY = Annual Percentage Yield

    $1,000.00 minimum opening deposit for personal money market

    $100.00 minimum opening deposit for business money market

    Rate may change after the account is opened.     Fees could reduce earnings

    Please contact your local branch for current Non-Personal Money Market rates.

     

Consumer Certificate of Deposit5

Certificate TypeTerm (Months) Minimum Opening Deposit Interest Rate APY*
Bear at the Bank CD - Children12$100.00 - $24,9990.15%0.15%
Bear at the Bank CD - Children12$25,000 - $49,9990.20%0.20%
Bear at the Bank CD - Children12$50,000 - $99,9990.25%0.25%
Bear at the Bank CD - Children12$100,000 - $249,9990.30%0.30%
Bear at the Bank CD - Children12$250,000 +0.35%0.35%
1 Month - 5 Months1 - 5$500.00 - $24,9990.05%0.05%
1 Month - 5 Months1 - 5 $25,000 - $49,9990.10%0.10%
1 Month - 5 Months1 - 5$50,000 - $99,9990.10%0.10%
1 Month - 5 Months1 - 5$100,000 - $249,9990.12%0.12%
1 Month - 5 Months1 - 5$250,000 +0.15%0.15%
6 Months - 11 months6 - 11$500 - $24,9990.10%0.10%
6 Months - 11 months6 - 11$25,000 - $49,9990.15%0.15%
6 Months - 11 Months6 -11$50,000 - $99,9990.20%0.20%
6 Months -11 Months6 -11$100,000 - $249,9990.25%0.25%
6 Months - 11 Months6 - 11$250,000 +0.30%0.30%
12 Months - 23 Months (Includes IRA) 12 - 23$500 - $24,9990.15%0.15%
12 Month - 23 Months12 - 23$25,000 - $49,9990.75%0.75%
12 Months - 23 Months12 - 23$50,000 - $99,9991.00%1.01%
12 Months - 23 Months12 - 23$100,000 - $249,9991.25%1.26%
12 Month - 23 Months12 - 23$250,000.00 +1.50%1.51%
24 Months - 35 Months (Includes IRA)24 - 35$500 - $24,9990.25%0.25%
24 Months - 35 Months24 - 35$25,000 - $49,9991.00%1.01%
24 Months - 35 Months24 - 35$50,000 - $99,9991.25%1.26%
24 Months - 35 Months24 - 35$100,000 - $249,9991.50%1.51%
24 Months - 35 Months24 - 35$250,000 +1.75%1.77%
36 Months - 47 Months (Includes IRA)36 - 47$500 - $24,9990.50%0.50%
36 Months - 47 Months36 - 47$25,000 - $49,9991.25%1.26%
36 Months - 47 Months36 - 47$50,000 - $99,9991.50%1.51%
36 Months - 47 Months36 - 47$100,000 - $249,9991.75%1.77%
36 Months - 47 Months36 - 47$250,000 +2.00%2.02%
48 Months - 59 Months (Includes IRA)48 - 59$500 - $24,9990.60%0.60%
48 Months - 59 Months48 - 59$25,000 - $49,9991.35%1.36%
48 Months - 59 Months48 - 59$50,000 - $99,9991.60%1.61%
48 Months - 59 Months48 - 59$100,000 - $249,9991.85%1.87%
48 Months - 59 Months48 - 59$250,000 +2.10%2.12%
60+ Months (Includes IRA)60 +$500 - $24,9990.90%0.90%
60+ Months60 +$25,000 - $49,9991.50%1.51%
60+ Months60 +$50,000 - $99,9991.75%1.77%
60+ Months60 +$100,000 - $249,9992.00%2.02%
60+ Months60 +$250,000 +2.25%2.28%
  1. Rates are current as of today's date. Rates are subject to change.

    *APY = Annual Percentage Yield. 

    All rates and tiers for Checking, Savings, Money Market, CD and IRA products are as of the Effective Date and are subject to change.

    ​Minimum Opening Deposits apply on the following interest bearing accounts: $25 for all Savings Accounts & Christmas Club; $100 for Dream Rate Rewards , Prime and Interest Checking; $1000 for Premier Checking and Personal Money Market Accounts; $500 for Certificates of Deposit and IRA's; $100 for Bear At The Bank CD.

    A penalty may be imposed for early withdrawal on CDs and IRAs.

IRA Accounts6

Account TypeInterest Rate APY*
  1. IRA CD Terms begin at 12 months.

    Rates are the same as rates listed in the CD rate section.

     Rates are current as of today's date. Rates are subject to change.

    *APY = Annual Percentage Yield

    Minimum balance to open on fixed rate accounts is $500.00.

    A penalty may be imposed for early withdrawal. Fees could reduce earnings.

Consumer Loans7

Loan TypeAPR* Range Collateral Description
Unsecured10.692% - 12.705%No collateral is required for this loan. Loan limited to $10,000.00.
Used RV6.029% - 6.619%Either Motor Home or Camper Trailer. May not be used as Primary Residence.
Consumer Marine Vessel Loan4.766% - 6.166%Small yacht, sail boat or sport fishing boat longer than 24 ft. Private/Non-commercial use. May not be used as a Primary or Secondary residence.
New Recreational Vehicle (RV)4.972% - 5.867%Either Motor Home or Camper Trailer. May not be used as Primary Residence.
Consumer Boat Loan4.972% - 5.662%A consumer boat loan is considered a ski boat or small lake type fishing boat that would be pulled out of the water and stored on a trailer - trailer and motors (if outboard) will be used as collateral as well.
New Auto3.716% - 6.190%Automobile for private use.
Used Auto4.774% - 9.545%Automobile for private use. Must be 1998 or newer.
  1. Rates are current as of today's date. Rates are subject to change.

    *APR = Annual Percentage Rate

    Credit score, loan terms, maximum and minimum loan amounts may affect rates. Used auto loan rates are affected by mileage. Unsecured and new/used auto rates reflect a .25% discount for auto pay from a BOP account. Marine vessel loans carry a $350 loan fee and a $35 document preparation fee. All other loans carry a $100 loan fee and a $35 document preparation fee. Taxes, Title, Registration and other fees may also apply. Please contact your local branch for rate information on other loan types. All loans subject to credit approval.