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Deposit Rates
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Personal Savings
Personal Savings
Account Balance
Minimum Opening Deposit
Rate
APY*
Early W/D Penalty
All Balances
$100.00
0.09% 0.09% N/A -
Tiered Rate Business Savings
Business Savings
Account Balance
Minimum Opening Deposit
Rate
APY*
Early W/D Penalty
$0 - $2,499.99
$100.00
0.09% 0.09% N/A $2,500 - $9,999.99
$100.00
0.12% 0.12% $10,000 - $49,999.99
$100.00
0.14% 0.14% $50,000 - $149,999.99
$100.00
0.17% 0.17% $150,000 - $499,999.99
$100.00
0.22% 0.22% $500,000 - $999,999.99
$100.00
0.27% 0.27% $1,000,000 and over $100.00 0.56% 0.56% -
Now Account Checking (and Prime Time Interest Checking)
Now Account Checking (and Prime Time Interest Checking)
Account Balance
Minimum Opening Deposit
Rate
APY*
Early W/D Penalty
All Balances
$100.00
0.09% 0.09% N/A The minimum balance required to obtain the APY is $1,000.00
Allowed for ONLY Individuals, Not-For-Profit Corporations, Government Units
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Money Market
Money Market
Account Balance
Minimum Opening Deposit
Rate
APY*
Early W/D Penalty
$0 - $2,499.99
$100.00
0.25% 0.25% N/A $2,500 - $9,999.99
$100.00
0.25% 0.25% $10,000 - $49,999.99
$100.00
0.40% 0.40% $50,000 - $149,999.99
$100.00
0.40% 0.40% $150,000 - $499,999.99
$100.00
0.50% 0.50% $500,000 and over
$100.00
0.50% 0.50% The minimum balance required to obtain the APY is $2,500.00. Available for Business or Personal accounts.
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Front Street Money Market
FRONT STREET Money Market
Account Balance
Minimum Opening Deposit
Rate
APY*
Early W/D Penalty
$0 - $9,999.99
$2,500.00
0.51% 0.51% N/A $10,000 - $99,999.99
$2,500.00
1.30% 1.31% $100,000 and over
$2,500.00
1.88% 1.99% Rate is not available for funds currently on deposit with Honor Bank. $5,000 minimum balance to avoid a monthly maintenance charge of $25.00. $3 monthly paper statement fee may be waived with enrollment in eStatements. Available for Business accounts only.
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Super Money Market
SUPER Money Market
Account Balance
Minimum Opening Deposit
Rate
APY*
Early W/D Penalty
$0 - $24,999.99
$2,500.00
0.25% 0.25% N/A $25,000 - $49,999.99
$2,500.00
0.50% 0.50% $50,000 - $99,999.99
$2,500.00
0.60% 0.60% $100,000 - $249,999.99
$2,500.00
0.70% 0.70% $250,000 - $499,999.99
$2,500.00
0.80% 0.80% $500,000 and over
$2,500.00
0.90% 0.90% * Rate is not available for funds currently on deposit with Honor Bank. $5,000 minimum balance to avoid a monthly maintenance charge of $25.00. $3 monthly paper statement fee may be waived with enrollment in eStatements. Available for Personal accounts only.
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Kasasa Cash Checking
Kasasa Cash Checking
Account Balance
Minimum Opening Deposit
Rate
APY*
Early W/D Penalty
*All Balances
(Base rate - non-qualifying month - BancVue calc)$50.00
0.03% 0.03% N/A *$0 - $10,000
*If qualifications are met
$50.00
1.99% 2.01% *$10,000.01 and over
*If qualifications are met
$50.00
0.26% 2.01%–0.41% **See Kasasa Cash Checking truth in savings disclosures for details on qualifications and requirements to obtain stated APYs.
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High Performance Checking
High Performance Checking
Account Balance
Without Direct Deposit With Direct Deposit Early W/D Penalty
Rate
APY*
Rate
APY*
$0 - $2,499.99
0.10%
0.10% 0.10% 0.10% N/A $2,500 - $9,999.99
0.15%
0.15% 0.17% 0.17% $10,000 - $49,999.99
0.17%
0.17% 0.20% 0.20% $50,000 - $149,999.99
0.20%
0.20% 0.25% 0.25% $150,000 and over
0.25%
0.25% 0.30% 0.30% -
31 Day Certificate of Deposit*
31 Day Certificate of Deposit*
Account Balance
Minimum Opening Deposit
Rate
APY*
Early W/D Penalty
$2,500 - $9,999.99
$2,500
0.03% 0.03% All Interest $10,000 - $49,999.99
$10,000
0.03% 0.03% $50,000 - $99,999.99
$50,000
0.03% 0.03% $100,000 and over
$100,000
0.03% 0.03% -
91 Day Certificate of Deposit*
91 Day Certificate of Deposit*
Account Balance
Minimum Opening Deposit
Rate
APY*
Early W/D Penalty
$2,500 - $9,999.99
$2,500
0.11% 0.11% All Interest $10,000 - $49,999.99
$10,000
0.11% 0.11% $50,000 - $99,999.99
$50,000
0.11% 0.11% $100,000 and over
$100,000
0.11% 0.11% -
182 Day Certificate of Deposit*
182 Day Certificate of Deposit*
Account Balance
Minimum Opening Deposit
Rate
APY*
Early W/D Penalty
$2,500 - $9,999.99
$2,500
0.16% 0.16% 30 Days $10,000 - $49,999.99
$10,000
0.20% 0.20% $50,000 - $99,999.99
$50,000
0.20% 0.20% $100,000 and over
$100,000
0.20% 0.20% -
12 Month Certificate of Deposit / IRA Certificate*
12 Month Certificate of Deposit / IRA Certificate*
Account Balance
Minimum Opening Deposit
Rate
APY*
Early W/D Penalty
$1,000 - $9,999.99
$1,000
0.50% 0.50% 90 Days $10,000 - $49,999.99
$10,000
0.85% 0.85% $50,000 - $99,999.99
$50,000
0.85% 0.85% $100,000 and over
$100,000
0.85% 0.85% -
15 Month Certificate of Deposit / IRA Certificate*#
15 Month Certificate of Deposit / IRA Certificate*#
Account Balance
Minimum Opening Deposit
Rate
APY*
Early W/D Penalty
$500 - $9,999.99
$500
1.10% 1.10% 180 Days $10,000 - $250,000
$10,000
2.427% 2.45% *Certificate of Deposit available only for accounts up to $250,000 per household to customers in Benzie, Grand Traverse, Leelanau, Manistee and Wexford counties. Consumer and commercial deposits only, no brokered funds. The annual percentage yield effective December 10, 2018 and requires a $10,000 minimum opening balance to obtain the stated APYs. Deposit of $500 - $9,999.99 pays 1.00% APY. Deposit accounts FDIC insured up to $250,000. Retirement accounts FDIC insured separately up to $250,000. Interest paid quarterly. 15- month converts to a 18-month CD at maturity. A penalty may be imposed for early withdrawals. To obtain the stated APY's, minimum balance requirements must be met for each term and tier. The interest rate and annual percentage yield may change after account opening. Fees could reduce the earnings on accounts. Offer is subject to change.
#Denotes Current CD Special.
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18 Month Certificate of Deposit / IRA Certificate*
18 Month Certificate of Deposit / IRA Certificate*
Account Balance
Minimum Opening Deposit
Rate
APY*
Early W/D Penalty
$500 - $9,999.99
$1,000
0.65% 0.65% 90 Days $10,000 - $49,999.99
$10,000
1.145% 1.15% $50,000 - $99,999.99
$50,000
1.145% 1.15% $100,000 and over
$100,000
1.145% 1.15% -
24 Month Certificate of Deposit / IRA Certificate*
24 Month Certificate of Deposit / IRA Certificate*
Account Balance
Minimum Opening Deposit
Rate
APY*
Early W/D Penalty
$500 - $9,999.99
$1,000
0.70% 0.70% 90 Days $10,000 - $49,999.99
$10,000
1.244% 1.25% $50,000 - $99,999.99
$50,000
1.244% 1.25% $100,000 and over
$100,000
1.244% 1.25% -
30 Month Certificate of Deposit / IRA Certificate*
30 Month Certificate of Deposit / IRA Certificate*
Account Balance
Minimum Opening Deposit
Rate
APY*
Early W/D Penalty
$500 - $9,999.99
$500
0.75% 0.75% 180 Days $10,000 - $49,999.99
$10,000
1.541% 1.55% $50,000 - $99,999.99
$50,000
1.541% 1.55% $100,000 and over
$100,000
1.541% 1.55% -
42 Month Certificate of Deposit / IRA Certificate*
42 Month Certificate of Deposit / IRA Certificate*
Account Balance
Minimum Opening Deposit
Rate
APY*
Early W/D Penalty
$500 - $9,999.99
$500
1.046% 1.05% 180 Days $10,000 - $49,999.99
$10,000
1.689% 1.70% $50,000 - $99,999.99
$50,000
1.689% 1.70% $100,000 and over
$100,000
1.689% 1.70% -
60 Month Certificate of Deposit / IRA Certificate*
60 Month Certificate of Deposit / IRA Certificate*
Account Balance
Minimum Opening Deposit
Rate
APY*
Early W/D Penalty
$500 - $9,999.99
$500
1.145% 1.15% 180 Days $10,000 - $49,999.99
$10,000
1.936% 1.95% $50,000 - $99,999.99
$50,000
1.936% 1.95% $100,000 and over
$100,000
1.936% 1.95%
*Deposits FDIC insured up to $250,000 with retirement accounts FDIC insured separately up to $250,000. A penalty may be imposed for early withdrawal.
#Denotes Current CD Special.
To obtain the stated APY's, minimum balance requirements must be met for each term and tier. The interest rate and annual percentage yield may change after account opening. Fees could reduce the earnings on accounts.
Interest Rates and Annual Percentage Yields are current as of January 3, 2019.
