Personal Rates

Checking, Savings and Money Market

Deposit Accounts
Checking Accounts      
Account Type Opening Deposit Minimum Balance1 Interest Rate Annual Percentage Yield  
eRewards Checking            
 *without Interest Reward2 $100 All Amounts  0.01%  0.01% Open Now
 *with Interest Reward2,4 $100 $0 to $25,000 1.50% 1.50% Open Now
    $25,001 and above 0.15% 0.15% Open Now
Express Checking $100 All Amounts 0.01% 0.01% Features
Spectrum Select Checking $2,500 $2,500 to $9,999 0.15% 0.15% Open Now
    $10,000 and above 0.20% 0.20% Open Now
           
Money Markets      
Account Type Opening Deposit Minimum Balance1 Interest Rate Annual Percentage Yield  
Personal Money Market $500 $0 to $2,499 0.10% 0.10%  Open Now
    $2,500 to $9,999 0.15% 0.15%  Open Now
    $10,000 to $99,999 0.25% 0.25%  Open Now
    $100,000 and above 0.30% 0.30%  Open Now
Spectrum Select Money Market3,4 $2,500 $2,500 to $9,999 0.25% 0.25%  Open Now
    $10,000 to $249,999 0.45% 0.45%  Open Now
    $250,000 and above 0.45% 0.45%  Open Now
           
Savings Accounts          
Account Type Opening Deposit Minimum Balance1 Interest Rate Annual Percentage Yield  
Everyday Savings $50 $150 0.10% 0.10% Open Now
Kids Savings5 $10 All Amounts 0.10% 0.10% Locations
Spectrum Select Savings3 $50 $1,000 0.20% 0.20% Open Now

Deposit Rates are accurate as of the effective date and subject to change without notice. Checking, Money Market, and Saving rates are variable and may change after the account is opened. Interest is compounded daily and will be credited to the account on the scheduled statement date, except for blended rate accounts for which the interest is daily simple. Fees may reduce earnings. Daily balance is the amount of principal in the account each day. Average Daily Balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period. Contact our Customer Service Center or visit your local branch for further information about applicable fees and terms.

1. The minimum balance must be maintained for one year in order to receive the Annual Percentage Yield.    
2. Interest reward is earned with the following requirements per statement cycle: eStatement subscriber, 10 signature based debit card transactions and no more than 1 branch transaction. Point of Sale (POS) transactions do not count toward meeting the requirements whether or not a PIN is entered. Contact our Customer Service Center or visit your local branch for further information on eligibility.  
3. Spectrum Select Checking account required to open.      
4. Blended Interest rate:  eRewards Checking "Interest Bonus" earns an interest rate of 1.50% only for that portion of your average daily balance between $0 and $25,000. The APY for this tier will be 1.50%. An interest rate of 0.15% will be paid only for that portion of your average daily balance $25,001 and above. The APY for this tier will range from 0.15% to 1.50%, depending on the balance in the account. Spectrum Select Money Market earns an interest rate of 0.00% only for that portion of your daily balance between $0 and $2,499. The APY for this tier will be 0.00%. An interest rate of 0.20% will be paid only for that portion of your daily balance between $2,500 and $9,999. The APY for this tier will range from 0.00% to 0.15%, depending on the balance in the account. An interest rate of 0.40% will be paid only for that portion of your daily balance for $10,000 and above. The APY for this tier will range from 0.15% to 0.40%, depending on the balance in the account.
5. Must be titled as a custodian account or joint tenants with rights of survivorship. Primary account owner must be under the age of 21.    
    

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Certificates of Deposit

Certificates of Deposit Accounts
Certificates of Deposit      
Account Type Opening Deposit Minimum Balance1 Interest Rate Annual Percentage Yield  
91 Day $1,000 $1,000 and above 0.25% 0.25% Open Now
6 Month $1,000 $1,000 and above 0.40% 0.40% Open Now
Kids 6 Month2,8 $500 $500 and above 0.40% 0.40% Locations
Goal Setter 6 Month4 $25 $25 to $999 0.10% 0.10% Open Now
    $1,000 and above 0.40% 0.40% Open Now
1 Year $1,000 $1,000 and above 0.65% 0.65% Open Now
Kids 1 Year2,8 $500 $500 and above 0.65% 0.65% Locations
Goal Setter 1 Year4 $25 $25 to $999 0.10% 0.10% Open Now
    $1,000 and above 0.65% 0.65% Open Now
1.5 Year $1,000 $1,000 and above 1.00% 1.00% Open Now
18 Month Jump Rate $1,000 $1,000 and above 0.95% 0.95% Open Now
18 Month Variable Rate3 $1,000 $1,000 and above 0.96% 0.96% Open Now
2 Year $1,000 $1,000 and above 1.09% 1.10% Open Now
Goal Setter 2 Year4  $25 $25 to $999 0.10% 0.10% Open Now
    $1,000 and above 1.09% 1.10% Open Now
2.5 Year $1,000 $1,000 and above 1.29% 1.30% Open Now
3 Year $1,000 $1,000 and above 1.39% 1.40% Open Now
4 Year $1,000 $1,000 and above 1.49% 1.50% Open Now
5 Year $1,000 $1,000 and above 1.74% 1.75% Open Now
           
Spectrum Certificates of Deposit5      
Account Type Opening Deposit6 Minimum Balance1 Interest Rate Annual Percentage Yield  
11 Month $10,000 $10,000 and above 1.00% 1.00%  Open Now
15 Month $10,000 $10,000 and above 1.14% 1.15%  Open Now
22 Month $10,000 $10,000 and above 1.34% 1.35%  Open Now
(Includes Retirement Certificates)          
           
eCertificates of Deposit7      
Account Type Opening Deposit6 Minimum Balance1 Interest Rate Annual Percentage Yield  
14 Month $1,000 $1,000 and above 1.14% 1.15%  Open Now
21 Month $1,000 $1,000 and above 1.34% 1.35%  Open Now

Deposit Rates are accurate as of the effective date and subject to change without notice. The 18 Month Variable Rate CD rates are variable and may change after account is opened. Interest is compounded daily and will be credited quarterly.  Daily balance is the amount of principal in the account each day. Certificate of Deposit may be subject to substantial penalty for early withdrawal.  Contact our Customer Service Center or visit your local branch for further information about applicable fees and terms.

1 The minimum balance must be maintained for one year in order to receive the Annual Percentage Yield.          
2 Minimum deposits of $50 are allowed throughout the term of the CD.    
3 The rate on this CD can change daily and is equal to the 26-week U.S. Treasury Bill Auction Rate.    
4 The rate on this CD is tiered and will adjust, as balances change, to the stated tiered rate at the time of account opening.    
5 Spectrum Select Checking Account required.    
6 Maximum opening deposit is $250,000 for individual accounts and $500,000 for joint accounts.    
7 eCertificates are only available online at bankfinancial.com
8.Must be titled as a custodian account or joint tenants with rights of survivorship. Primary account owner must be under the age of 21.

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Individual Retirement Accounts (IRA)

Retirement Accounts
Certificates of Deposit      
Account Type Opening Deposit Minimum Balance1 Interest Rate Annual Percentage Yield  
91 Day $500 $500 and above 0.30% 0.30% Locations
6 Month $500 $500 and above 0.45% 0.45% Locations
1 Year $500 $500 and above 0.70% 0.70% Locations
1.5 Year $500 $500 and above 1.05% 1.05% Locations
18 Month Jump Rate $1,000 $1,000 and above 1.00% 1.00% Locations
18 Month Variable Rate2 $500 $500 and above 0.96% 0.96% Locations
2 Year $500 $500 and above 1.14% 1.15% Locations
2.5 Year $500 $500 and above 1.34% 1.35% Locations
3 Year $500 $500 and above 1.44% 1.45% Locations
4 Year $500 $500 and above 1.54% 1.55% Locations
5 Year $500 $500 and above 1.78% 1.80% Locations
           
Self Directed Accounts      
Account Type Opening Deposit Minimum Balance1 Interest Rate Annual Percentage Yield  
Retirement Management $50 $0 to $2,499 0.10% 0.10% Locations
    $2,500 to $9,999 0.15% 0.15%  
    $10,000 to $99,999 0.25% 0.25% Locations
    $100,000 and above 0.30% 0.30%  
Professional Retirement Planning, Investment3 and Insurance Services  
Our Retirement Plans are available as ROTH, SEP, SIMPLE, Educational, or Traditional IRAs . Retirement Management allows you to self direct your IRA funds to many investment options.  
Financial Assurance is an independent insurance agency working with a carefully selected group of financially sound, reputable companies providing professional insurance services to protect your financial goals .  

Deposit Rates are accurate as of the effective date and subject to change without notice. Retirement Management Account is variable and may change after the account is opened. Interest is compounded daily and will be credited to the account on the scheduled statement date. Fees may reduce earnings. Daily balance is the amount of principal in the account each day. Certificate of Deposit may be subject to substantial penalty for early withdrawal.   Contact our Customer Service Center or visit your local branch for further information about applicable fees and terms. 


1 The minimum balance must be maintained for one year in order to receive the Annual Percentage Yield.    
2 The rate on this CD can change daily and is equal to the 26-week U.S. Treasury Bill Auction Rate.    
3 Securities offered through Cetera Financial Partners registered broker/dealer and member of the NASD, MSRB and SIPC.  Cetera Financial is not an affiliated company.    

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