Deposit Rates

These rates are posted as a convenience to you in planning your financial decisions. Rates are updated regularly but are subject to change without notice.

Rates current as of:

Certificates of Deposit

Product Minimum Opening Deposit Interest Rate Annual Percentage Yield
3 Month CD $1,000  0.10% 0.10%
6 Month CD $1,000 0.15% 0.15%
12 Month CD $1,000 0.25% 0.25%
18 Month CD $1,000 0.30% 0.30%
24 Month CD $1,000 0.40% 0.40%
36 Month CD $1,000 0.60% 0.60%
60 Month CD $1,000 1.20% 1.21%

Automatically renewable at maturity. There may be a substantial penalty for early withdrawal. A minimum balance of $1,000 required to obtain the advertised APY.

Individual Retirement Accounts

Product Minimum Opening Deposit Interest Rate Annual Percentage Yield
12 Month IRA Certificate of Deposit $250 0.25% 0.25%
18 Month IRA Certificate of Deposit $250 0.30% 0.30%
24 Month IRA Certificate of Deposit $250 0.40% 0.40%
36 Month IRA Certificate of Deposit $250 0.60% 0.60%

60 Month IRA Certificate of Deposit

$250 1.20% 1.21%
12 Month Variable Rate IRA Certificate of Deposit* $250 0.30% 0.30% 

Automatically renewable at maturity. There may be a substantial penalty for early withdrawal. *A minimum balance of $250 required to obtain the advertised APY. The interest rate and annual percentage yield may change after account opening.

Statement Savings

Product Minimum Opening Deposit Interest Rate Annual Percentage Yield
Statement Savings $100 0.05 0.05

Earnings could be reduced should certain maintenance or activity fees be triggered. Must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield. The interest rate and annual percentage yield may change after account opening.

Youth Savings

Product Minimum Opening Deposit Interest Rate Annual Percentage Yield
Youth Savings $1 0.05% 0.05%

Learn about all the benefits of becoming a Super Saver. Earnings could be reduced should certain maintenance or activity fees be triggered. Must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield. The interest rate and annual percentage yield may change after account opening.

Christmas Club

Product Minimum Opening Deposit Interest Rate Annual Percentage Yield
Christmas Club $10 0.05% 0.05%

Deposits only by automatic transfer (AFT) from a St. Johns Bank account. Minimum $10 per AFT period. Interest is paid and compounded annually and earned on the ledger balance. $5 penalty for early closure. If account is closed before interest is credited, accrued interest is forfeited. The interest rate and annual percentage yield may change after account opening. A Minimum balance of $10 required to obtain the advertised APY.

Preferred Checking

Product Minimum Opening Deposit Interest Rate Annual Percentage Yield
Daily Balances up to $9,999.99 $100 0.05% 0.05%
Daily Balances $10,000.00 and up $100 0.10% 0.10%

The interest rate and annual percentage yield may change after account opening. You must maintain a minimum balance in order to obtain the disclosed annual percentage yield. Fees could reduce earnings on the account.

Interest Checking

Product Minimum Opening Deposit Interest Rate Annual Percentage Yield
Daily Balances up to $9,999.99 $100 0.05% 0.05%
Daily Balances $10,000.00 and up $100 0.10% 0.10%

The interest rate and annual percentage yield may change after account opening. You must maintain a minimum balance in order to obtain the disclosed annual percentage yield. Fees could reduce earnings on the account.

Business Interest Checking

Product Minimum Opening Deposit Interest Rate Annual Percentage Yield
Daily Balances up to $9,999.99 $100 0.05% 0.05%
Daily Balances $10,000.00 and up $100 0.10% 0.10%

The interest rate and annual percentage yield may change after account opening. You must maintain a minimum balance in order to obtain the disclosed annual percentage yield. Fees could reduce earnings on the account.

Personal Money Market

Product Minimum Opening Deposit Interest Rate Annual Percentage Yield
Daily Balances of $1,000 - 24,999.99 $1000 0.05% 0.05%
Daily Balances of $25,000 - 49,999.99 $1000 0.10% 0.10%
Daily Balances of $50,000 and up $1000 0.15% 0.15%

The interest rate and annual percentage yield may change after account opening. You must maintain a minimum balance in order to obtain the disclosed annual percentage yield. Fees could reduce earnings on the account.

Business Money Market

Product Minimum Opening Deposit Interest Rate Annual Percentage Yield
Daily Balances of $1,000 - 24,999.99 $1000 0.05% 0.05%
Daily Balances of $25,000 - 49,999.99 $1000 0.10% 0.10%
Daily Balances of $50,000 and up $1000 0.15% 0.15%

The interest rate and annual percentage yield may change after account opening. You must maintain a minimum balance in order to obtain the disclosed annual percentage yield. Fees could reduce earnings on the account.