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Recommended Checking Savings Certificate Account

Rewards Checking

For ages 18 & above. Features two tiers of dividends on balances up to $25,000.00, based on monthly qualifications. Rates subject to change at any time. Plus: ATM fee refunds up to $15/month if qualifications are met. Conditions and restrictions apply.

APY: 1.50%

WINcentive Savings

As you make deposits into your WINcentive savings account, you earn chances to win up to $1,000. Meanwhile, your balance grows with competitive dividend earnings—so you win no matter what! It requires $5 to open and allows unlimited deposits during the 12-month savings period.

APY: 0.10% Min Deposit: $5.00

Rainy Day Savings

Del-One membership with Rewards or Student Checking is required. Debit card purchases from Rewards or Student Checking will round up to the next dollar amount, and the difference will be deposited into the Rainy Day Savings. Receive stated APY on balances up to $1,000.00. Rate may decrease if balance is over $1,000.00. Rates subject to change at any time. Conditions and restrictions apply.

APY: 3.00%

Regular Checking

For ages 18 & above. Dividends earned on average daily balance of $500 or more. No monthly service fee.

APY: 0.01%

Student Checking

For students age 13 to 21. Higher dividend and ATM & International Transaction fees refunded up to $15/month with estatements and 10 debit card purchase transactions per month. No monthly service fee.

APY: 0.01%

Christmas Club

Make deposits any time and earn dividends on entire balance. Automatic payout on 10/1.

APY: 0.10%

Vacation Club

Make deposits any time and earn dividends on entire balance. Automatic payout on 6/1.

APY: 0.10%

Money Market

$5,000 minimum balance to avoid $5 low balance fee.

Max APY: 3.20% Min Deposit: $0.00

3mo Share Certificate

Max APY: 3.90% Min Deposit: $500.00

6mo Share Certificate

Max APY: 3.95% Min Deposit: $500.00

12mo Share Certificate

Max APY: 4.05% Min Deposit: $500.00

18mo Share Certificate

Max APY: 4.00% Min Deposit: $500.00

24mo Share Certificate

Max APY: 3.75% Min Deposit: $500.00

36mo Share Certificate

Max APY: 3.50% Min Deposit: $500.00

42mo Bump Rate Cert

Max APY: 3.50% Min Deposit: $500.00

60mo Share Certificate

Max APY: 3.50% Min Deposit: $500.00

26mo Bump Rate Cert

Max APY: 3.75% Min Deposit: $500.00

APY (Annual Percentage Yield)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	0.50%	0.50%	$0.00	N/A
.	1.00%	1.00%	$0.00	N/A
.	1.24%	1.25%	$0.00	N/A
.	1.49%	1.50%	$0.00	N/A
.	3.15%	3.20%	$0.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	3.59%	3.65%	$500.00	$500.00	3 (min)
.	3.83%	3.90%	$100,000.00	$100,000.00	3 (min)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	3.69%	3.75%	$500.00	$500.00	6 (min)
.	3.88%	3.95%	$100,000.00	$100,000.00	6 (min)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	3.78%	3.85%	$500.00	$500.00	12 (min)
.	3.98%	4.05%	$100,000.00	$100,000.00	12 (min)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	3.69%	3.75%	$500.00	$500.00	18 (min)
.	3.93%	4.00%	$100,000.00	$100,000.00	18 (min)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	3.45%	3.50%	$500.00	24 (min)
.	3.69%	3.75%	$100,000.00	24 (min)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	2.96%	3.00%	$500.00	$500.00	36 (min)
.	3.45%	3.50%	$100,000.00	$100,000.00	36 (min)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	3.20%	3.25%	$500.00	$500.00	42 (min)
.	3.45%	3.50%	$100,000.00	$100,000.00	42 (min)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	2.96%	3.00%	$500.00	$500.00	60 (min)
.	3.45%	3.50%	$100,000.00	$100,000.00	60 (min)

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