4.25% APY
Annual Percentage Yield
Our High-Yield Online Savings Account is the smart choice for anyone looking to grow their savings and achieve financial stability. Start your journey to financial success today by opening an account with us!
Benefits of our High-Yield Online Savings Account
- Earn more interest on your savings
- Manage your account, anytime, anywhere
- Simple external transfers**
- Interest compounded daily
- No monthly maintenance fees
- Member FDIC
Key Features
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Competitive Rate
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Easy Online Opening
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Your Money's Safe
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No Monthly Fees
Competitive Rate
Easy Online Opening
Your Money's Safe
No Monthly Fees
Open Your Account in Minutes
With our Digital Account Opening, you can easily open your High-Yield Online Savings Account from the comfort of your home, office, or on-the-go. The online application is simple, user-friendly, and can be completed in just minutes. All you need is $100 to get started and a few basic personal and financial details. With no paperwork or branch visits required, you can open your account hassle-free and start earning interest right away. Plus, with knowing your deposits are insured by the FDIC up to the maximum allowed by law, you can trust your money is in good hands.
Open your account online today and take the first step towards achieving your financial goals.
Manage Your Finances - Anytime, Anywhere
With our robust online and mobile banking platform, you can manage your finances on the go, from anywhere, anytime. Whether you need to check your account balance or transfer funds, it’s all just a few clicks away. Enjoy 24/7 access to your accounts, you can stay on top of your finances and make informed decisions whenever you need to.
Streamlined Banking Experience
Our online and mobile banking platform provides a streamlined banking experience that saves you time and hassle. With features such as mobile check deposit, e-statements, and external transfers you can complete all your banking tasks quickly and easily. Say goodbye to long lines, inconvenient banking hours, and endless paperwork.
- 4.25% APY (Annual Percentage Yield) on balances up to $1,000,000
- No monthly maintenance fees
- FDIC insured up to the maximum allowed by law
- $100 minimum deposit to open
- Interest compounded daily
- Free personal financial management tool
- Please see Terms & Conditions for more details
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| Balance | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| 0 to $1,000,000.00 | $100 | 4.16% | 4.25% |
| $1,000,000.01+ | $100 | 0.00% | 0.00% |
*Annual Percentage Yield
**Transaction limits apply.
This is a variable rate account; rates may change after account is opened. Fees may reduce earnings. Accurate as of 5/1/2023. Member FDIC.
Use this calculator to determine your projected earnings from our Evergreen Free Rewards account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
80% Combined Loan to Value Program - Single Family and Condominium
Combined Loan to Value: up to 80% Maximum Loan Amount $175,000
| Amount | Interest Rate (Prime 8.25%) | APR* |
|---|---|---|
| $100,000 to $175,000 | Prime + .00% to Prime + 1.00% | 7.50% to 8.50% |
| Up to $99,999 | Prime + .25% to Prime + 1.25% | 7.75% to 8.75% |
Note: Rates are based on loan amounts, credit qualifications and FICO scores.
Payment examples:
APR (Annual Percentage Rate) based on your combined loan-to-value (CLTV), your approved line amount, and credit criteria, and will range from a variable APR of Prime + .00% to Prime + 1.25%, subject to change with Prime. As of today, the Prime Rate is 8.25%. The 'ceiling' is 19.90%. No discount rate programs or promotions apply. Rates are variable and may increase after consummation. The floor rate is the minimum rate you may be charged on the line of credit. Your rate may never go below the floor rate, regardless of the index + margin rate.
80% Combined Loan to Value Program
If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on maximum loan to value 80%, owner-occupied properties, depending upon your commitment amount and credit qualifications.
85% Combined Loan to Value Program - Single Family and Condominium
Combined Loan to Value: 80.01% - 85% Maximum Loan Amount $125,000 (80% when 1st Mortgage Exceeds $1,000,000)
| Amount | Interest Rate (Prime 8.25%) | APR* |
|---|---|---|
| $50,000 to $125,000 | Prime + .75% to Prime + 1.75% | 8.25% to 9.25% |
| Up to $49,999 | Prime + 1.00% to Prime + 2.00% | 8.50% to 9.50% |
Note: Rates are based on loan amounts, credit qualifications and FICO scores.
Payment examples:
APR (Annual Percentage Rate) based on your combined loan-to-value (CLTV), your approved line amount, and credit criteria, and will range from a variable APR of Prime + .75% to Prime + 2.00%, subject to change with Prime. As of today, the Prime Rate is 8.25%. The the 'ceiling' is 19.90%. No discount rate programs or promotions apply. Rates are variable and may increase after consummation. The floor rate is the minimum rate you may be charged on the line of credit. Your rate may never go below the floor rate, regardless of the index + margin rate.
85% Combined Loan to Value Program
If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on maximum loan to value 85%, owner-occupied properties, depending upon your commitment amount and credit qualifications.
90% Combined Loan to Value Program - Single Family and Condominium
Combined Loan to Value: 85.01% - 90% Maximum Loan Amount $100,000
| Amount | Interest Rate (Prime 8.25%) | APR* |
|---|---|---|
| $50,000 to $100,000 | Prime + 1.25% to Prime + 2.25% | 8.75% to 9.75% |
| Up to $49,999 | Prime + 1.50% to Prime + 2.50% | 9.00% to 10.00% |
Note: Rates are based on loan amounts, credit qualifications and FICO scores.
Payment examples:
APR (Annual Percentage Rate) based on your combined loan-to-value (CLTV), your approved line amount, and credit criteria, and will range from a variable APR of Prime + 1.25% to Prime + 2.50%, subject to change with Prime. As of today, the Prime Rate is 8.25%. The 'ceiling' is 19.90%. No discount rate programs or promotions apply. Rates are variable and may increase after consummation. The floor rate is the minimum rate you may be charged on the line of credit. Your rate may never go below the floor rate, regardless of the index + margin rate.
90% Combined Loan to Value Program
If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on maximum loan to value 90%, owner-occupied properties, depending upon your commitment amount and credit qualifications.
Business Money Market
| Minimum Balance to Obtain APY | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $2,500 | $2,500 | 0.30% | 0.30% |
| $10,000 | $2,500 | 0.40% | 0.40% |
| $25,000 | $2,500 | 0.50% | 0.50% |
| $100,000 | $2,500 | 0.60% | 0.60% |
Certificates of Deposit (CDs) and IRA Certificates of Deposit (CDs)
These are our most popular terms. Additional options are offered. Please call or visit one of our bankers today for the full listing of all our current CD rates and terms.
| Term | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| 3-5 Months | $500.00 | 2.97% | 3.00% |
| 6-9 Months | $500.00 | 3.94% | 4.00% |
| 11-13 Months | $500.00 | 4.18% | 4.25% |
| 15-24 Months | $500.00 | 3.94% | 4.00% |
| 29-60 Months | $500.00 | 3.456% | 3.50% |
Penalty for early withdrawal
Cornerstone Money Market
| Minimum Balance to Obtain APY | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $2,500 | $2,500 | 0.30% | 0.30% |
| $10,000 | $2,500 | 0.40% | 0.40% |
| $25,000 | $2,500 | 0.50% | 0.50% |
Evergreen Free Linked Saver
| Balance | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| 0 to $100,000 | $100 | 1.98% | 2.00% |
| $100,000+ | $100 | 0.25% | 2.00% to 1.12% |
| All balances if qualifications not met | $100 | 0.05% | 0.05% |
Easily Qualify For The Higher Rate
Qualifying for your Free Rewards Checking or Free Cash Back rewards automatically qualifies you for the highest Free Linked Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Free Rewards or Free Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
That's it. Even if you don't meet your qualifications during the cycle, your Free Rewards accounts are still free. Plus, you'll still earn our base interest rate on Free Linked Saver. And you can get right back to earning your full rewards the very next month!
Evergreen Free Rewards
| Balance | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| 0 to $25,000 | $100 | 3.93% | 4.00% |
| $25,000+ | $100 | 0.25% | 4.00% to 1.00% |
| All balances if qualifications not met | $100 | 0.05% | 0.05% |
Easily Qualify For Your Rewards
Enrollments must be in place and all of the following transactions and activities must post and settle to your Free Rewards account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
That's it. Even if you don't meet your qualifications during the cycle, your Free Rewards account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!
Savings Accounts
| Account | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| High-Yield Online Savings | $100 | 4.16% | 4.25% |
| Statement Savings | $100 | 0.35% | 0.35% |
| Kids Statement Savings | $10 | 0.35% | 0.35% |
| Christmas Club | $10 | 0.35% | 0.35% |
| Business Savings | $500 | 0.35% | 0.35% |
Vehicle Loans
| Type | Term | APR* | Payment Examples (based on a $10,000.00 loan) |
|---|---|---|---|
| New Car | up to 60 months | 7.24% | $199.15 |
| New Car | 61 to 72 months | 7.49% | $172.85 |
| Used Car | up to 60 months | 7.74% | $201.52 |
| Used Car | 61 to 72 months | 7.99% | $175.28 |
| New Motorcycle | up to 60 months | 9.49% | $209.97 |
| New Motorcycle | 61 to 72 months | 9.99% | $185.21 |
All annual percentage rates are accurate as of 5/4/2023 and are subject to change at any time.