Rates

thinkINTEREST Checking

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Balance

Interest Rate APY**
$0 - $9,999.99 2.00% 2.02%
$10,000 - $49,999.99 0.50% 2.02% to 0.81%
 $50,000 and up*** 0.01%  0.81% to 0.17%
 If Monthly Qualifications are not met 0.01%  0.01%

** Annual Percentage Yield (APY) is accurate as of 05.06.2016. This is a variable rate account. Rates may change at any time without notice. Fees may reduce earnings on the account.

*** Assumes a maximum balance of $250,000

Qualifications:

  • Make at least 10 debit card purchases per monthly statement cycle.
  • Have at least one (1) automatic payment (ACH) or direct deposit per monthly statement cycle.
  • Rates may change after account is opened. Fees may reduce earnings. Personal accounts only. Not intended for business purposes. One thinkINTEREST account per taxpayer identification number. $50 minimum deposit required to open. If qualifications are met each monthly statement cycle: (1) Earn a premium interest rate on lower balances (2) Earn up to $25 in Nationwide ATM fee reimbursements which will be credited to your account on the last business day of the monthly statement cycle; If qualifications are not met, all balances earn 0.01% APY. Qualifying transactions must post and settle to your account during the monthly statement cycle. Transactions may take one or more banking days from the date the transaction was made to post and settle to your account. The monthly statement cycle ends on the last business day of the month.

Certificate of Deposits

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Term Interest Rate APY **
30 Days (Deposit Less Than $100,000) 0.05% 0.05%
90 Days (Deposit Less Than $100,000) 0.05% 0.05%
180 Days (Deposit Less Than $100,000) 0.10% 0.10%
30 Days (Deposit $100,000 or More) 0.05% 0.05%
90 Days (Deposit $100,000 or More) 0.05% 0.05%
180 Days (Deposit $100,000 or More) 0.10% 0.10%

Certificate of Deposits & Individual Retirement Certificates

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Term Interest Rate APY **
1 Year* (Deposit Less Than $100,000) 0.15% 0.15%
2 Years* (Deposit Less Than $100,000) 0.25% 0.25%
3 Years* (Deposit Less Than $100,000) 0.35% 0.35%
4 Years* (Deposit Less Than $100,000) 0.50% 0.50%
5 Years* (Deposit Less Than $100,000) 0.50% 0.50%
1 Year* (Deposit $100,000 or More) 0.15% 0.15%
2 Years* (Deposit $100,000 or More) 0.25% 0.25%
3 Years* (Deposit $100,000 or More) 0.35% 0.35%
4 Years* (Deposit $100,000 or More) 0.50% 0.50%
5 Years* (Deposit $100,000 or More) 0.50% 0.50%

$1,000 Minimum Balance Required to open account and obtain Annual Percentage Yield. Interest begins to accrue on the business day you deposit. There may be penalties for early withdrawal on Certificates of Deposit including Individual Retirement Certificates. See complete IRA Disclosure for further details. *Interest must be paid at least annually.Interest on Certificates of Deposit will either be capitalized at maturity or deposited into a NS Savings, Checking or Money Market.

Holiday Club*

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Minimum Balance Required to Open Account Interest Rate APY**
$2.00 0.01% 0.01%

*We may change the interest rate on your account at our discretion. Interest Credited (Annually).

Personal & Junior Savings*

Account Minimum Balance Required to Open Account Interest Rate APY
Personal Savings $100 0.01% 0.01%
Junior Savings N/A 0.01% 0.01%

*We may change the interest rate on your account at our discretion. Interest Credited Quarterly.

Money Market Account*

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Daily Balance Minimum Balance Required to Open Account Interest Rate APY**
$0 – $24,999.99 $2,500 0.05% 0.05%
$25,000 – $99,999.99 $2,500 0.05% 0.05%
$100,000.00 – $999,999.99 $2,500 0.05% 0.05%
$1,000,000.00 + $2,500 0.05% 0.05%

*We may change the interest rate on your account at our discretion. Interest will be credited monthly.

Traditional, Roth & Education Individual Retirement Accounts

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Interest Credited Interest Rate APY**
Quarterly* 0.05% 0.05%

*Variable Individual Retirement Account Rate - $1000 Minimum Deposit Required to open account. The interest rate on your account is based at our discretion. We may change the interest rate on your account at our discretion. There may be penalties for early withdrawal on these accounts. See complete IRA Disclosure for further details.

**The annual percentage yield (APY) assumes funds will remain on deposit for a full year at the listed rate or until maturity. Withdrawals, fees, and other conditions could reduce earnings.