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Rates Comparison

Prime Rate - 3.25%
Rates effective - 4/17/2014

Personal Savings

Basic Savings

Minimum Balance to Obtain APY Compound Method APY
All balances earn interest Quarterly 0.03%
View Disclosure

Effective date: 4/17/2014

Annual Percentage Yield (APY) is accurate as of effective date shown above and is subject to change without notice. Minimum opening deposit is $50 ($10 for clients under age 23). APY is variable and may change after account opening. Fees may reduce earnings. Transaction limitations apply.

Certificates of Deposit

Term Compounding Period APY
90 days Quarterly 0.03%
6 to 11 months Quarterly 0.05%
12 to 23 months Quarterly 0.08%
24 to 35 months Quarterly 0.15%
36 to 47 months Quarterly 0.18%
48 to 59 months Quarterly 0.23%
60 to 120 months Quarterly 0.28%
View Disclosure

Effective date: 4/17/2014

Minimum to open is $500. Annual Percentage Yield (APY) was effective as of the date shown above and is subject to change without notice. Maximum deposit is $500,000. Penalty applies for early withdrawal. Fees may reduce earnings.

Health Savings Account (HSA)

Minimum Balance to Obtain APY Compound Method APY
HSA Basic $500-$999 Monthly 0.03%
$1,000-$2,499 Monthly 0.03%
$2,500+ Monthly 0.08%
HSA Select $500-$999 Monthly 0.03%
$1,000-$2,499 Monthly 0.03%
$2,500-$4,999 Monthly 0.03%
$5,000-$9,999 Monthly 0.03%
$10,000-$14,999 Monthly 0.08%
$15,000-$24,999 Monthly 0.08%
$25,000+ Monthly 0.08%
View Disclosure

Effective date: 4/17/2014

Annual Percentage Yield (APY) is accurate as of effective date shown above and  is subject to change without notice.

HSA Basic and Select
Minimum opening deposit is $50. APY is variable and may change after account opening. Fees may reduce earnings. Transaction limitations may apply.

Note: the combined total of all contributions to health savings accounts may not exceed annual IRS contribution limits. For more detailed information about Health Savings Accounts, please refer to IRS Publication 969 titled, “HSA and other Tax Favored Health Plans,” and IRS Publication 502 titled, “Medical and Dental Expenses,” which may be found online at www.IRS.gov. Please consult a tax professional for information regarding your personal situation.

Idaho Medical Savings Account (MSA)

Minimum Balance to Obtain APY Compound Method APY
$500-$999 Monthly 0.03%
$1,000-$2,499 Monthly 0.03%
$2,500+ Monthly 0.08%
View Disclosure

Effective date: 4/17/2014

Annual Percentage Yield (APY) is accurate as of effective date shown above and is subject to change without notice. Minimum opening deposit is $50. APY is variable and may change after account opening. Fees may reduce earnings. Transaction and contribution limitations may apply. Please consult a tax professional for information regarding your personal situation.

Individual Development Account (IDA)

Minimum Balance to Obtain APY Compound Method APY
All balances earn interest Monthly 0.03%
View Disclosure

Effective date: 4/17/2014

An IDA is a program designed to help low- and moderate-income individuals save to purchase their first home, pay for post-secondary education or start a business. Families must qualify for an IDA through a participating government or non-profit agency. Annual Percentage Yield (APY) is accurate as of effective date shown above and is subject to change without notice. Minimum opening deposit is $10. APY is variable and may change after account opening. Fees may reduce earnings.

Premium Money Market

Minimum Balance to Obtain APY Compound Method APY
$0-$24,999 Monthly 0.03%
$25,000-$49,999 Monthly 0.03%
$50,000-$99,999 Monthly 0.08%
$100,000+ Monthly 0.10%
View Disclosure

Effective date: 4/17/2014

Annual Percentage Yield (APY) is accurate as of effective date shown above and is subject to change without notice. Minimum opening deposit is $1,000. APY is variable and may change after account opening. Fees may reduce earnings. Transaction limitations apply.

Roth IRA

Term Compounding Period APY
90 days Quarterly 0.03%
6 to 11 months Quarterly 0.05%
12 to 23 months Quarterly 0.08%
24 to 35 months Quarterly 0.15%
36 to 47 months Quarterly 0.18%
48 to 59 months Quarterly 0.23%
60 to 120 months Quarterly 0.28%
View Disclosure

Effective date: 4/17/2014

Minimum opening deposit is $100. Annual Percentage Yield (APY) was effective as of the date shown above and is subject to change without notice. Maximum deposit is $500,000. Fees may reduce earnings. The Internal Revenue Service may impose limitations and/or penalties. Early withdrawal penalties may apply if you are under the age of 59½. Please consult a tax professional for information regarding your personal tax benefits.

Traditional IRA

Term Compounding Period APY
90 days Quarterly 0.03%
6 to 11 months Quarterly 0.05%
12 to 23 months Quarterly 0.08%
24 to 35 months Quarterly 0.15%
36 to 47 months Quarterly 0.18%
48 to 59 months Quarterly 0.23%
60 to 120 months Quarterly 0.28%
View Disclosure

Effective date: 4/17/2014

Minimum opening deposit is $100. Annual Percentage Yield (APY) was effective as of the date shown above and is subject to change without notice. Maximum deposit is $500,000. Fees may reduce earnings. The Internal Revenue Service may impose limitations and/or penalties. Early withdrawal penalties may apply if you are under the age of 59½. Please consult a tax professional for information regarding your personal tax benefits.