Rates

Interest rates on all interest-bearing accounts are determined by the bank and may be adjusted at the bank's discretion. Annual percentage yield (APY) assumes principal and interest remain on deposit for the term of the certificate.  A penalty may be assessed for early withdrawal.  Fees could reduce the earnings on the account.  Minimum deposit and method of compounding may vary on the certificates. Maximum deposit of $250,000.  Certificates automatically renew upon maturity. Some CD’s may not be eligible for brokerage deposits, institutional investors or public funds. Rates effective May 29, 2025.

Qualifications

• At least 15 debit card purchases
• At lease 1 direct deposit, ACH payment, or ACH credit transaction(s)
• Be enrolled in and agree to receive eStatements

*When your Signature High Yield Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Signature High Yield Checking account earn an Annual Percentage Yield (APY) of 6.00%; and daily balances over $25,000 earn an APY of 0.25%, resulting in a blended APY between 6.00%-1.40% depending on the account's daily balance. Signature Saver balances up to $100,000 earn an APY of 2.0% and daily balances over $100,000 will earn an APY of .25% resulting in a blended APY depending on the account's daily balance. APY rates effective as of 05/13/2024. You will receive reimbursements of ATM fees up to $25 for ATM transactions incurred within your Signature High Yield Checking account during the Monthly Qualification Cycle in which you qualified. NOTE: Signature Saver ATM transaction fees are not reimbursed.

When your Signature High Yield Checking qualifications are not met during a Monthly Qualification Cycle, the account balance in Signature High Yield Checking and Signature Saver will earn an APY of 0.05% and ATM withdrawal fees are not refunded.

Interest will be credited to your Signature High Yield Checking and Signature Saver account(s) on the last day of the current statement cycle. Rates are variable and may change after account is opened and without notice to you. Minimum opening deposit of $25 is required. Early closing fee of $10 if closed within 90 days and other fees may apply. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact a banker for additional information. 

Debit card transactions need to post and settle to the account during the cycle period. Please note that posting and settling of transactions may not occur on the same day the transaction is made, and there may be a delay before a transaction posts to your account.

Member FDIC.

Qualifications

• At least 15 debit card purchases
• At lease 1 direct deposit, ACH payment, or ACH credit transaction(s)
• Be enrolled in and agree to receive eStatements

*When your linked Signature High Yield Checking or Signature Cash Back Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to $100,000 in your Signature Saver account earn an Annual Percentage Rate (APY) of 2.0% and daily balances over $100,000 will earn an APY of .25% resulting blended APY depending on the account's daily balance. APY accurate as of 05/13/2024.

When your linked Signature High Yield Checking or Signature Cash Back Checking account qualifications are not met, the entire daily balance in the Signature Saver account earns an APY of .05%.

Interest will be credited to your Signature Saver account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Minimum opening deposit of $25 is required to open the account. There are no recurring monthly maintenance charges or fees to open account; Early closing fee of $10 if within 90 days and other fees may apply. A Signature High Yield Checking or Signature Cash Back Checking account is required to have a Signature Saver account. A linked Signature Saver account is required for automatic savings. Contact a banker for additional information.

Member FDIC.

^*Annual Percentage Rate=APR.  APR listed assumes $10,000 loan at maximum term. Loan Doc Fee of $50. Actual APR will depend on loan amount and term length. Rates are determined by the bank and may be adjusted at the bank's discretion.  

Repayment examples:
New Car 2023 & Newer: $10,000 borrowed, $201.42 per month for 60 months, APR= 7.72%
Used Car 2018-2022: $10,000 borrowed, $203.82 per month for 60 months, APR=8.22%
Used Car 2017 & Older: $10,000 borrowed, $206.24 per month for 60 months, APR= 8.72%