Deposit Rates

 

Checking

Type

Rate

APY

Interest Tier

Minimum to Open

FREE RAMCheck 0.000% 0.00% Entire Balance $100
Regular RAMCheck 0.000% 0.00% Entire Balance $100
55Plus RAMCheck 0.000% 0.00% Entire Balance $100
Student RAMCheck 0.000% 0.00% Entire Balance $50
FREE Business RAMCheck 0.000% 0.00% Entire Balance $100
Premium Business RAMCheck 0.000% 0.00% Entire Balance $500
Interest RAMCheck 0.250% 0.25% Balances Over $2,000 $300
Premium RAMCheck 0.525% 0.53% Balances Over $1,000 $500
RAM Money Market Tier 1 0.200% 0.20% $0.00 - $25,000 $10,000
RAM Money Market Tier 2 0.250% 0.25% $25,001 - $40,000 $25,001
RAM Money Market Tier 3 0.300% 0.30% $40,001 - $100,000 $40,001
RAM Money Market Tier 4 0.350% 0.35% $100,000+ $100,001
RAM Sweep 0.350% 0.35% Entire Balance $1.00

 

Savings

Type

Rate

APY

Interest Tier

Minimum to Open

RAMSave Passbook 0.325% 0.326% Entire Balance $25
ChecklessRAM Trans PB - ATM/ACH 0.200% 0.20% Entire Balance $25
IRA Passbook 1.000% 1.05% Entire Balance $25
         
RAMSave Crayons to College Passbook 0.500% 0.50% Entire Balance $25
Health RAMSave 0.000% 0.00% $0.00 - $2,000 $25
Health RAMSave 0.200% 0.20% $2,000 - $10,000 $2,001
Health RAMSave 0.325% 0.33% $10,000+ $10,001
Christmas Club RAMSave 1.000% 1.05% Entire Balance 12 payments $10

 

Certificates

Type

Rate

APY

Interest Tier

Minimum to Open

1-7 day CD 0.005% 0.005% Entire Balance $2,500
8-31 day CD 0.010% 0.010% Entire Balance $2,500
91 day cd 0.500% 0.501% Entire Balance $2,500
6 month CD 0.550% 0.552% Entire Balance $1,000
1 year CD 1.050% 1.056% Entire Balance $500
18 month CD 1.150% 1.157% Entire Balance $500
2 year CD 1.300% 1.308% Entire Balance $500
3 year CD 1.600% 1.613% Entire Balance $500
4 year CD 1.650% 1.664% Entire Balance $500
5 year CD 2.100% 2.122% Entire Balance $500
6 year CD 2.300% 2.327% Entire Balance $500
8 year CD 2.400% 2.429% Entire Balance $500
Education IRA Retirement accounts are based off of investments options shown above. Rates and terms are in accordance with investment that is chosen by you.
Roth IRA Retirement accounts are based off of investments options shown above. Rates and terms are in accordance with investment that is chosen by you.
Keogh Retirement accounts are based off of investments options shown above. Rates and terms are in accordance with investment that is chosen by you.
IRA-Fixed Retirement accounts are based off of investments options shown above. Rates and terms are in accordance with investment that is chosen by you.

IMPORTANT DISCLOSURE INFORMATION:   Rates effective July 1, 2018

***THE ANNUAL PERCENTAGE YIELD (APY) SHOWN ASSUMES INTEREST REMAINS ON DEPOSIT UNITL MATURITY.
A WITHDRAWAL WILL REDUCE EARNINGS.
***FEES ASSESSED ON SOME OF THE ACCOUNTS LISTED ABOVE COULD REDUCE EARNINGS.
***ASK A BANK EMPLOYEE ABOUT THE FEES AND TERMS APPLICABLE ON THESE ACCOUNTS.
***EARLY WITHDRAWAL OF A CERTIFICATE OF DEPOSIT COULD RESULT IN LOSS OF PRINCIPAL.