The information in our savings and investment product rate tables includes:

Term: The length of time that the money must be maintained in the account. The term applies to investment accounts only. Some investment accounts will allow early withdrawal, though there may be a penalty when you withdrawal before the term ends.

Minimum balance: The amount you must maintain in the account.

Dividend rate: The rate applied to the balance in the account, calculated by multiplying the dollar amount and dividend/interest rate and dividing that total by 365 multiplied by the number of days in month.

APY (Annual Percentage Yield): Reflects the total amount of earnings based on the dividend rate and compounding. For savings accounts, you must maintain a minimum daily balance of $100 in your account to obtain the disclosed annual percentage yield.

The information in our loan product rate tables includes:

Term: The length of time for repayment of the loan.

APR (Annual Percentage Rate): The interest rate applied to the loan principal, which reflects the cost of the debt.

Payment (per $1000 borrowed): The monthly payment for each $1000 borrowed. Use this value to calculate the monthly payment for your loan amount. For example, if you wanted to borrow $20,000 with a five year repayment term, you would multiply the payment in the New Vehicle, 60 months row by 20. In this example, your monthly payment for that loan would be: $18.41 x 20 = $368.20 / month