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Personal & Business Banking

Deposit Rates

The Annual Percentage Yield (APY) quoted for Deposit Rates below are accurate as of September 14th, 2020 and are subject to change at any time.

Checking

PRODUCT MINUMUM BALANCE TO OBTAIN APY ANNUAL PERCENTAGE YIELD (APY)
Gold Leaf Checking (Personal) $500.00 and up 0.05%
Gold Leaf Business Checking $500.00 and up 0.05%
Gold Leaf Business Advantage $5,000 - $49,999.99 0.10%
$50,000 - $99,999.99 0.25%
$100,000 - $249,999.99 0.30%
$250,000 and up 0.40%

Fees and withdrawals could reduce earnings on the account. For variable rate accounts, the interest rate and Annual Percentage Yield (APY) may change after the account is opened. Balance Requirements may apply to avoid fees. Call or visit local branch for details.


Money Market Accounts

PRODUCT MINUMUM BALANCE TO OBTAIN APY ANNUAL PERCENTAGE YIELD (APY)
Community Money Market
$1,000 deposit to open this account.
$0.01 - $9,999.99 0.10%
$10,000 - $24,999.99 0.12%
$25,000 - $74,999.99 0.15%
$75,000 and up 0.20%
Golf Leaf Money Market
$50,000 deposit to open this account.
$0.01 - $99,999.99 0.15%
$100,000 - $249,999.99 0.20%
$250,000 - $499,999.99 0.30%
$500,000 - $999,999.99 0.40%
$1,000,000 and up 0.50%

Fees and withdrawals could reduce earnings on the account. Money Market Deposit Accounts are variable rate accounts and the interest rate and Annual Percentage Yield (APY) may change after the account is opened. Balance Requirements may apply to avoid fees. Call or visit local branch for details.


Savings

PRODUCT MINUMUM BALANCE TO OBTAIN APY ANNUAL PERCENTAGE YIELD (APY)
Community Savings *N/A 0.10%
Youth Savings *N/A 0.10%
Gold Leaf Savings
(Personal or Business)
$0.01 - $50,000 0.15%
$50,000.01 and up 0.15% to 0.10%
Christmas Club - Coupon Book *N/A 0.25%
Christmas Club - Direct Debit *N/A 0.50%

*Not Applicable

Fees and withdrawals could reduce earnings on the account. For variable rate accounts, the interest rate and Annual Percentage Yield (APY) may change after the account is opened. Balance Requirements may apply to avoid fees. Call or visit local branch for details.

A $5.00 minimum deposit is needed to open Savings Account. Penalties will or may be imposed for early withdrawal on Christmas Club Accounts, which have a 12-month term.


Certificates of Deposits & IRAs, CDs

TERM ANNUAL PERCENTAGE YIELD (APY)
6 Months 0.25%
9 Months 0.25%
12 Months 0.30%
18 Months 0.35%
24 Months 0.40%
30 Months 0.40%
36 Months 0.40%
48 Months 0.45%
60 Months 0.55%

Fees and interest withdrawals could reduce earnings on the account. A penalty may be imposed for early withdrawal on Certificates of Deposit. A $500 minimum deposit is required to obtain APY. Call or visit local branch for details.


CD Specials (Includes IRA CDs)

TERM ANNUAL PERCENTAGE YIELD (APY)
7 Months 0.30%
14 Months 0.35%
19 Months 0.35%
25 Months 0.40%
35 Months 0.40%
59 Months 0.55%

Fees and interest withdrawals could reduce earnings on the account. A penalty may be imposed for early withdrawal on Certificates of Deposit. A $500 minimum deposit is required to obtain APY. Call or visit local branch for details.


HSA Accounts

PRODUCT MINUMUM BALANCE TO OBTAIN APY ANNUAL PERCENTAGE YIELD (APY)
HSA Checking (Individual & Family)
$50 minimum to open account
$0.01 - $500 0.10%
$500.01- $5,000 0.20%
$5,000.01 - $20,000 0.30%
$20,000.01 – and up 0.50%
HSA Investment (Individual & Family)
$50 minimum to open account
$0.01 - $5,000 0.25%
$5,000.01 - $15,000 0.40%
$15,000.01 - $20,000 0.50%
$20,000.01 – and up 0.75%

Fees and withdrawals could reduce earnings on the account. HSA Accounts are variable rate accounts and the interest rate and Annual Percentage Yield (APY) may change after the account is opened. Balance Requirements may apply to avoid fees. Call or visit local branch for details.

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