Rates

Rates effective as of May 20, 2015.


Deposit rates featured are accurate as of publication date and subject to change after accounts are opened. Fees could reduce the earnings on the account. Accounts may be subject to additional qualifications. Minimum deposit to open account is $100, except the Equity Platinum Money Market account that has a minimum opening balance of $5,000 and the Equity Titanium Money Market account that has a minimum opening balance of $25,000. Contact your local Equity Bank with questions.

Checking Accounts

ProductAverage Daily Balance Required to Obtain APYInterest RateAPY*
Equity Gold Checking$0 and greater0.03%0.03%
Equity Platinum Checking**$0 - $25,000.001.24%1.25%
$25,000.01 and greater0.05%0.05%***
Diamond Checking****$0-$24,9991.98%2.00%
$25,000.01 and greater0.05%0.05%
Community Checking$0 - $4,999.990.03%0.03%
$5,000.00 and greater0.05%0.05%
DBA (Sole Proprietor Checking)$1,000.00 and greater0.05%0.05%

*APY = Annual Percentage Yield


**Platinum accountholder must perform at least 10 debit card transactions per statement cycle to qualify for APY. Each debit card transaction must be hard-posted to the account to be included in the 10 required per statement cycle. ATM transactions do not qualify as debit card transactions. Accountholder must enroll in online banking within 10 days of account opening, and register for eStatements. Paper statements are not permitted for Platinum Checking APY. If account requirements are not met, account reverts to a fallback APY of 0.05% for all balances maintained in the account. Customer are limited to on Platinum Checking or one Diamond Checking account.


***The interest rate that will be paid for only that portion of the daily balance that is greater than $25,000 is 0.05%. The annual percentage yield for this tier will range from 1.00% to 0.05% depending on the balance in the account.


****In order to earn the 2.00% APY on balances up to $25,000, Diamond Checking accountholder must use debit card for a combination of "credit" or "signature" transactions that total $1,000 or more each statement cycle. Each signature or credit debit card transaction must be hard-posted to the account to be included in the $1,000 required per statement cycle. ATM transactions and point-of-sale PIN transactions do not qualify toward total spent. Accountholder must enroll in online banking within 10 days of account opening and register for eStatements. Paper statements are not permitted. If account requirements are not met, account reverts to a fallback APY of 0.05% for all balances maintained in the account. The APY that will be paid for only that portion of the daily balance that is greater than $25,000 is 0.05%. The APY for this tier will range from 2.00% to 0.05% depending on the balance in the account. Minimum $100 to open Diamond Checking account. Customers are limited to one Diamond Checking or one Platinum Checking account.

Savings Accounts

ProductAverage Daily Balance Required to Obtain APYInterest RateAPY*
Equity ECO SavingsAll Balances0.05%0.05%
Equity Platinum Money Market$0 - $24,999.990.05%0.05%
$25,000.00 - $49,999.990.15%0.15%
$50,000.00 - $99,999.990.20%0.20%
$100,000.00 and greater0.20%0.20%
Equity Titanium Money Market**$0 - $24,999.990.01%0.01%
$25,000.00 - $49,999.990.50%0.50%
$50,000.00 - $99,999.990.75%0.75%
$100,000.00 and greater0.75%0.75%

*APY = Annual Percentage Yield

**Currently these rates will be the same for all Equity markets, but there is the possibility in the future that rates could change per market.


Rates effective as of June 1, 2015.


Our experienced staff can help guide you through every aspect of mortgage lending -- from your first home purchase to refinancing and construction lending. We offer a full range of mortgage sources, and our lending specialists are dedicated to finding the right loan -- with the best rates, terms and costs -- to meet your unique needs.


Contact your local Equity Bank with questions or visit our Mortgage Service Center