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Technology Upgrade Alert!

 ATTENTION ONLINE BANKING CUSTOMERS: We will be upgrading our Online Banking technology and the new platform will not support user names that meet this criteria:

  • User name is less than eight (8) characters in length
  • User name is an email address
  • User name includes special characters (e.g. %@_!@#)

 If your user name meets one or more of the above criteria, please have your information updated before May 31, 2018 to meet the new requirements.

 Consumers- You can view and edit your user name by clicking on the “My Setting” tab on the top right of your screen after you log in.

 Business- Business Admins, please contact us at 203-805-5825 to update your user IDs. Admins are responsible for changing the user IDs of their sub users.


 
helpful-info
Access our latest rates to help you make the best decisions for your financial situation.
Certificate of Deposit
Rates Effective: September 1, 2014
Type of Account Annual Percentage Yield Interest Rate Minimum Balance to Earn Annual Percentage YieldMinimum Deposit to Open Account
Certificates of Deposit*
6 Month Liquid CD.15%.15%$50,000$50,000
3 Month.10%.10%$500$500
6 Month .15%.15%$500$500
7 Month .25%.25%$500$500
9 Month .70%.69%$500$500
12 Month .45%.44%$500$500
15 Month Bump Up+10.50%0.49%$1000$1000
18 Month 2.00%1.95%$500$500
2 Year 2.15%2.10%$500$500
3 Year 1.30%1.28%$500$500
4 Year 1.50%1.47%$500$500
5 Year 1.70%1.67%$500$500

 Annual percentage yield assumes principal and interest remain on deposit for one year.
*Substantial penalty for early withdrawals.
Rates subject to change at any time.
Fees may reduce earnings on accounts.
Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
We use the daily balance computation to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Interest is continuously compounded and credited monthly on all accounts except Holiday and Vacation clubs.
^Interest is not compounded and is paid annually on Holiday and Vacation clubs.
+Cannot be used for IRA.

1Premium rates do not apply.

Checking
Rates Effective: September 1, 2014
Type of AccountAnnual Percentage YieldInterest RateMinimum Balance to Earn Annual Percentage YieldMinimum Deposit to Open Account
Money Market Choice
$.01 to $9,999.03%.03%$.01$50
$10,000 to $49,999.05%.05%$10,000 $50
$50,000 to $99,999.05%.05%$50,000$50
$100,000 to $249,999.10%.10%$100,000 $50
$250,000 to 499,999 .15%.15%$250,000 $50
$500,000 and over.15%.15%$500,000$50
NOW Checking.05%.05%$1,000$50
Priority NOW
$1,000 to $9,999.05%.05%$1,000$50
$10,000 to $24,999.05%.05%$10,000$50
$25,000 to $49,999.10%.10%$25,000$50
$50,000 and over .10%.10%$50,000$50

- Annual percentage yield assumes principal and interest remain on deposit for one year.
- Rates subject to change at any time.
- Fees may reduce earnings on accounts.
- Transfers from a money market account to another account or to third parties by check, preauthorized, automatic, or telephone transfer are limited to six per month.
- Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
- We use the daily balance computation to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
- Rates may vary after account opening

Consumer Loan Rates
Rates Effective:
Loan TypeAPRMax LoanMax TermMax LTVPayments* based on Maximum term
Personal Unsecured15.00%5,00036 MONTHS--$173.33
Auto-New*5.99%50,00060 MONTHS100$190.97
Auto-Used 2013-20175.49%50,00036 MONTHS80$304.17
Auto-Used 2014-20176.49%50,00048 MONTHS80$237.10
Auto-Used 2015-20176.99%50,00060 MONTHS80$197.96
Boat - New 25' Maximum12.00%50,00060 MONTHS80$222.45
Boat - Used 25' Maximum12.50%50,00060 MONTHS80$224.98
Recreational Vehicle-New13.00%100,00060 MONTHS80$227.53
Recreational Vehicle-Used13.50%100,00036 MONTHS80$339.35
Collateral CD or Passbook Interest Only2.00% over100,000DEMAND95--
Passbook Installment4.00%100,00036 MONTHS95$295.24

Vehicle title, comprehensive and collision insurance coverage are required on all automobile loans. SBD must be listed as lienholder on title and loss payee on insurance.
The rates listed above are personal vehicles registered in individual names not business names.
Minimum loans are in the amount of $2,000.
Automobile purchased directly from dealer, or owned less than 1 month (Borrower must be able to present title at closing).

This information is intended for professional sources only. It does not take the place of the formal truth-in-lending Disclosures setting forth the specific terms applicable to individual transactions. All terms and conditions are subject to change without notice.
*Payment example is based on a loan amount of $10,000, except for the personal unsecured loan which is based on $5,000.

Health Savings
Rates Effective: September 1, 2014
Type of AccountAnnual Percentage YieldInterest Rate Minimum Balance to Earn Annual Percentage YieldMinimum Deposit to Open Account
Health Savings Investment Account**
$.01 to $1,4990.25%0.25%$.01$25
$1,500 to $2,4990.50%0.49%$1,500$25
$2,500 to $4,999 0.75%0.74%$2,500 $25
$5,000 to $9,9991.00%0.98%$5,000 $25
$10,000 to $49,9991.25%1.23%$10,000$25
$50,000 and over1.25%1.23%$50,000 $25

 Annual percentage yield assumes principal and interest remain on deposit for one year.
*Substantial penalty for early withdrawals.
Rates subject to change at any time.
Fees may reduce earnings on accounts.
Transfers from a money market account to another account or to third parties by check, preauthorized, automatic, or telephone transfer are limited to six per month.
Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
We use the daily balance computation to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
**Individual Plan Yearly Contribution Maximum $3,450.00.
**Family Plan Yearly Contribution Maximum $6,900.00.
Interest is continuously compounded and credited monthly on all accounts except Holiday and Vacation clubs.
^Interest is not compounded and is paid annually on Holiday and Vacation clubs.
+Cannot be used for IRA.

1Premium rates do not apply.
- Rates may vary after account opening

Mortgage Rates
Rates Effective: Friday, March 18, 2016
DescriptionRateAPRPoints
3 Year Adjustable Rate3.750%4.699% 0.000
5 Year Adjustable Rate3.750%4.567% 0.000
7 Year Adjustable Rate3.875%4.512% 0.000
15 Year Fixed Rate4.250%4.579%00.00
30 Year Fixed Rate4.750%4.945% 0.000

Important Notices
- The interest rates, annual percentage rates (APRs), and discount points shown are subject to change without notice.
-Your APR will vary based on your final loan amount, finance charges, and credit score.
- Subject to credit approval.

Savings
Rates Effective: September 1, 2014
Type of AccountAnnual Percentage Yield Interest RateMinimum Balance to Earn Annual Percentage YieldMinimum Deposit to Open Account
Holiday Club^.25%.25%$10$1
Money Market Passbook
$5.00 to $2,499 .03%.03%$5$50
$2,500 and over.05%.05%$2,500$50
Passbook Savings.03%.03%$5$10
Statement Savings .03%.03%$5$10
Vacation Club^.25%.25%$10$1

 Annual percentage yield assumes principal and interest remain on deposit for one year.
*Substantial penalty for early withdrawals.
Rates subject to change at any time.
Fees may reduce earnings on accounts.
Transfers from a money market account to another account or to third parties by check, preauthorized, automatic, or telephone transfer are limited to six per month.
Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
We use the daily balance computation to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Interest is continuously compounded and credited monthly on all accounts except Holiday and Vacation clubs.
^Interest is not compounded and is paid annually on Holiday and Vacation clubs.
+Cannot be used for IRA.

1Premium rates do not apply.
- Rates may vary after account opening