CD Specials
| Account Type | Opening Balance Requirement | Interest Rate* | APY** |
|---|---|---|---|
| 7 Month Jumbo CD | $100,000 | 4.43% | 4.53% |
**Annual Percentage Yield. The minimum to open and obtain the APY is $100,000. Rates are fixed, compounded monthly. Withdrawal of interest will reduce earnings. A penalty may be imposed for early withdrawal. Upon maturity, CD will renew for a six month term at the rate offered on a six month CD at the time of renewal. Refer to Truth-in Savings disclosure for complete details. Interest rates and APY's are effective 10/10/24. Available for personal and business accounts.
Personal Accounts
| Account Type | Minimum Balance to Pay Interest | Interest Rate* | APY** |
|---|---|---|---|
| iChecking◊ | All Balances up to $10,000 with Tiered Rates |
2.00% | 2.02% |
| iChecking◊ | All Balances up to $10,000 with Tiered Rates |
1.49% | 1.50% |
| iChecking◊ | All Balances up to $10,000 with Tiered Rates |
0.05% | 0.05% |
| Platinum Checking | $1,000 | 0.05% | 0.05% |
| Savings | $100 | 0.05% | 0.05% |
| Young Savers | $25 |
0.05% | 0.05% |
| American Select Savings◊◊ | $100 | 1.98% | 2.00% |
| Pinnacle Money Market Account Base Tier | $1,000 | $0.01 - $9,999.99: 0.10% | $0.01 - $9,999.99: 0.10% |
| Pinnacle Money Market Account Tier 1 | $1,000 | $10,000.00 - $99,999.99: 0.50% | $10,000.00 - $99,999.99: 0.50% |
| Pinnacle Money Market Account Tier 2 | $1,000 | $100,000.00 - $249,999.99: 1.24% | $100,000.00 - $249,999.99: 1.25% |
| Pinnacle Money Market Account Tier 3 | $1,000 |
$250,000.00 - $499,999.99: 1.74%
|
$250,000.00 - $499,999.99: 1.75% |
| Pinnacle Money Market Account Tier 4 | $1,000 | $500,000.00 and above: 2.96% | $500,000.00 and above: 3.00% |
*Interest Rates are effective as of 10/10/2024 and are subject to change without prior notice. For current interest rates call 866-579-7959.
**APY = Annual Percentage Yield
**APY = Annual Percentage Yield
◊ iChecking Interest Reward Requirements:
Direct Deposit required to earn Interest Rewards for this account
E-Statements required to earn Interest Rewards for this account
Tier 1 - 20 posted debit transactions required per statement cycle
Tier 2 - 7 posted debit transactions required per statement cycle
Tier 3 - less than 7 posted debit transactions and/or Direct Deposit or E-Statement if requirements not met
Interest is earned on daily balance. Each day your account maintains a minimum balance, you will earn interest as provided in account disclosures for each statement cycle
◊◊American Select Savings
Quarterly Service Charge: $5.00 if daily balance falls below the minimum balance any day of the statement cycle
Interest: Interest is earned on daily balance. Each day your account maintains a minimum balance, you will earn interest as provided in your account disclosure for each statement cycle
Withdrawals: An excess debit fee of $1.50 will be charged for each posted withdrawal or transfer, in excess of six (6) per statement cycle.
Quarterly Statements: eStatements are required. There will be a $5.00 service charge applied to the quarterly statement if you elect to receive a paper statement.
Business Accounts
| Account Type | Minimum Balance to Pay Interest |
Interest Rate* | APY** |
|---|---|---|---|
| Business NOW◊◊◊ | All Balances | 0.05% | 0.05% |
| Pinnacle Money Market Account Base Tier | $1,000 | $0.01 - $9,999.99: 0.10% | $0.01 - $9,999.99: 0.10% |
| Pinnacle Money Market Account Tier 1 | $1,000 | $10,000.00 - $99,999.99: 0.50% | $10,000.00 - $99,999.99: 0.50% |
| Pinnacle Money Market Account Tier 2 | $1,000 | $100,000.00 - $249,999.99: 1.24% | $100,000.00 - $249,999.99: 1.25% |
| Pinnacle Money Market Account Tier 3 | $1,000 |
$250,000.00 - $499,999.99: 1.74%
|
$250,000.00 - $499,999.99: 1.75% |
| Pinnacle Money Market Tier 4 | $1,000 | $500,000.00 and above: 2.96% | $500,000.00 and above: 3.00% |
*Interest Rates are effective as of 10/10/2024 and are subject to change without prior notice. For current interest rates call 866-579-7959.
**APY = Annual Percentage Yield
◊◊◊non-profit organizations, sole proprietors and government entities only
Interest is earned on daily balance. Each day your account maintains a minimum balance, you will earn interest as provided in account disclosures for each statement cycle
**APY = Annual Percentage Yield
◊◊◊non-profit organizations, sole proprietors and government entities only
Interest is earned on daily balance. Each day your account maintains a minimum balance, you will earn interest as provided in account disclosures for each statement cycle
CDs/IRAs ($1,000 - $99,999)
| Term | Opening Balance Requirement | Interest Rate* | APY** |
|---|---|---|---|
| 3 Month | $1,000 | 3.49% | 3.55% |
| 6 Month | $1,000 | 2.47% | 2.50% |
| 12 Month | $1,000 | 2.96% | 3.00% |
| 18 Month | $1,000 | 2.96% | 3.00% |
| 24 Month | $1,000 | 2.82% | 2.86% |
| 36 Month | $1,000 | 2.46% | 2.49% |
| 48 Month | $1,000 | 1.90% | 1.92% |
| 60 Month | $1,000 | 2.01% | 2.03% |
**Annual Percentage Yield. The minimum to open and obtain the APY is $1,000. Rates are fixed, compounded monthly. Withdrawal of interest will reduce earnings. A penalty may be imposed for early withdrawal. Refer to Truth-in Savings disclosure for complete details. Interest rates and APY's are effective 10/10/2024. Available for personal and business accounts.
CDs/IRAs - Jumbo ($100,000 & Above)
| Term | Opening Balance Requirement | Interest Rate* | APY** |
|---|---|---|---|
| 3 Month Jumbo | $100,000 | 3.92% | 4.00% |
| 6 Month Jumbo | $100,000 | 3.92% | 3.92% |
| 12 Month Jumbo | $100,000 | 3.88% | 3.96% |
| 18 Month Jumbo | $100,000 | 3.13% | 3.18% |
| 24 Month Jumbo | $100,000 | 2.98% | 3.02% |
| 36 Month Jumbo | $100,000 | 2.56% | 2.59% |
| 48 Month Jumbo | $100,000 | 2.00% | 2.02% |
| 60 Month | $100,000 | 3.14% | 3.19% |
*Annual Percentage Yield. The minimum to open and obtain the APY is $100,000. Rates are fixed, compounded monthly. Withdrawal of interest will reduce earnings. A penalty may be imposed for early withdrawal. Upon maturity, CD will renew for a six month term at the rate offered on a six month CD at the time of renewal. Refer to Truth-in Savings disclosure for complete details. Interest rates and APY's are effective 10/10/24. Available for personal and business accounts.
*Interest Rates are effective as of 10/10/2024 and are subject to change without prior notice. For current interest rates call 866-579-7959.
**APY = Annual Percentage Yield
Interest is earned on daily balance. Each day your account maintains a minimum balance, you will earn interest as provided in account disclosures for each statement cycle.
**APY = Annual Percentage Yield
Interest is earned on daily balance. Each day your account maintains a minimum balance, you will earn interest as provided in account disclosures for each statement cycle.