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Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

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Checking Account Minimum Balance per Tier
Required to Earn APY
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.08%
$5,000 - $49,999.99 0.08% - 0.14%
$50,000 & Over 0.14% - 0.17%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.28%
$10,000 - $14,999.99 0.28% - 0.32%

$15,000 - $24,999.99 0.32% - 0.39%

$25,000 & Over 0.39% - 0.50%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.


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Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.23%
$100,000 - $199,999.99 0.23% - 0.37%
$200,000 - $999,999.99 0.37% - 0.56%

$1,000,000 - & Over 0.56% - 0.63%
Repurchase Agreement n/a
0.25%
ICS Checking n/a
0.30%

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings.
* Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Savings Account Minimum Balance per Tier
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.23%
$100,000 - $199,999.99
0.23% - 0.37%
$200,000 - $999,999.99 0.37% - 0.56%
$1,000,000 & Over 0.56% - 0.63%
ICS Money Market n/a 0.35%
Advantage Savings* $0.00 - $2,499.99 0.10%
$2,500 & Over 0.10% - 0.10%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.15%
$25,000 - $49,999.99
0.20%
$50,000 - $99,999.99 0.25%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.50%
Kids Savers Club n/a 0.10%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.29%


Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50.  Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.
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Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.15% $500
12-23 Months 0.20% $500
24-29 Months 0.40% $500
30-35 Months 0.45% $500
36 Months & Over 0.55% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.29% $100



Special Terms


16 Months 0.35% $2,500
29 Months 0.80% $2,500
39 Months 1.10%
$2,500













Apply for a Certificate of Deposit

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

Please scroll left to view the rest of the table.
Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.05%
$50,000 & Over 0.05% - 0.08%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.25%
$10,000 - $14,999.99 0.25% - 0.33%

$15,000 - $24,999.99 0.33% - 0.40%

$25,000 & Over 0.40% - 0.70%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



Please scroll left to view the rest of the table.
Business Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.11%
$25,000 - $49,999.99 0.11% - 0.13%

$50,000 - $99,999.99
0.13% - 0.16%
$100,000 - $199,999.99 0.16% - 0.21%
$200,000 - $999,999.99 0.21% - 0.32%

$1,000,000 & Over 0.32% - 0.34%
Repurchase Agreement n/a 0.25%
ICS Checking n/a 0.30%

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 
Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.11%
$25,000 - $49,999.99 0.11% - 0.13%
$50,000 - $99,999.99 0.13% - 0.16%
$100,000 - $199,999.99
0.16% - 0.21%
$200,000 - $999,999.99 0.21% - 0.32%
$1,000,000 & Over 0.32% - 0.34%
ICS Money Market n/a 0.35%
Advantage Savings* $0.00 - $2,499.99 0.05%
$2,500 & Over 0.05% - 0.08%
IRA Savings Account $0.00 - $4,999.99 0.15%
$5,000 - $24,999.99 0.20%
$25,000 - $49,999.99
0.25%
$50,000 - $99,999.99 0.30%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.50%
Kids Savers Club n/a 0.05%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.19%


Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50. Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.10% $500
12-23 Months 0.15% $500
24-29 Months 0.24% $500
30-35 Months 0.29% $500
36 Months & Over 0.44% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.19%
$100



Special Terms


17 Months
1.03%
$10,000 (new money)***
17 Months 
1.15%
$25,000 (new money)***
27 Months
0.70%
$500
37 Months
1.33%
$10,000 (new money)***
37 Months1.45%
$25,000 (new money)***





Apply for a Certificate of Deposit

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
*** Money not currently on deposit at Merchants Bank. 
Please scroll left to view the rest of the table.

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

Please scroll left to view the rest of the table.
Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.08%
$50,000 & Over 0.08% - 0.10%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.28%
$10,000 - $14,999.99 0.28% - 0.30%

$15,000 - $24,999.99 0.30% - 0.34%

$25,000 & Over 0.34% - 0.42%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



Please scroll left to view the rest of the table.
Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.12%
$5,000 - $24,999.99 0.12% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.21%
$100,000 - $199,999.99 0.21% - 0.28%
$200,000 - $999,999.99 0.28% - 0.42%

$1,000,000 & Over 0.42% - 0.46%
Repurchase Agreement n/a 0.25%
ICS Checking n/a 0.30%

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 
Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.12%
$5,000 - $24,999.99 0.12% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.21%
$100,000 - $199,999.99
0.21% - 0.28%
$200,000 - $999,999.99 0.28% - 0.42%
$1,000,000 & Over 0.42% - 0.46%
ICS Money Market n/a 0.35%
Advantage Savings* $0.00 - $2,499.99 0.10%
$2,500 & Over 0.10% - 0.11%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.15%
$25,000 - $49,999.99
0.20%
$50,000 - $99,999.99 0.25%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.45%
Kids Savers Club n/a 0.10%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.25%


Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50. Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.15% $500
12-23 Months 0.20% $500
24-29 Months 0.35% $500
30-35 Months 0.40% $500
36 Months & Over 0.50% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.25%
$100



Special Terms


13 Months 0.35% $2,500
25 Months 0.60%
$2,500
45 Months
1.15%
$2,500











Apply for a Certificate of Deposit

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
Please scroll left to view the rest of the table.

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

Please scroll left to view the rest of the table.
Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.08%
$5,000 - $49,999.99 0.08% - 0.14%
$50,000 & Over 0.14% - 0.17%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.28%
$10,000 - $14,999.99 0.28% - 0.32%

$15,000 - $24,999.99 0.32% - 0.39%

$25,000 & Over 0.39% - 0.50%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



Please scroll left to view the rest of the table.
Business Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49.999.99 0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.23%
$100,000 - $199,999.99 0.23% - 0.37%
$200,000 - $999,999.99 0.37% - 0.56%

$1,000,000 & Over  0.56% - 0.63%
Repurchase Agreement n/a
0.25%
ICS Checking n/a
0.30%

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 
Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.23%
$100,000 - $199,999.99
0.23% - 0.37%
$200,000 - $999,999.99 0.37% - 0.56%
$1,000,000 & Over 0.56% - 0.63%
ICS Money Market n/a 0.35%
Advantage Savings* $0.00 - $2,499.99 0.10%
$2,500 & Over 0.10% - 0.10%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.15%
$25,000 - $49,999.99
0.20%
$50,000 - $99,999.99 0.25%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.50%
Kids Savers Club n/a 0.10%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.29%


Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50. Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.15% $500
12-23 Months 0.20% $500
24-29 Months 0.40% $500
30-35 Months 0.45% $500
36 Months & Over 0.55% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.29%
$100



Special Terms


16 Months 0.35% $2,500
29 Months 0.80% $2,500
39 Months 1.10% $2,500










Apply for a Certificate of Deposit

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
Please scroll left to view the rest of the table.

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

Please scroll left to view the rest of the table.
Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.05%
$50,000 & Over 0.05% - 0.08%
HSA Checking $0.00 - $4,999.99
0.15%
$5,000 - $9,999.99 0.15% - 0.17%
$10,000 - $14,999.99 0.17% - 0.22%

$15,000 - $24,999.99 0.22% - 0.29%

$25,000 & Over 0.29% - 0.37%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



Please scroll left to view the rest of the table.
Business Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.12%
$25,000 - $49,999.99 0.12% - 0.14%

$50,000 - $99,999.99
0.14% - 0.17%
$100,000 - $199,999.99 0.17% - 0.22%
$200,000 - $999,999.99 0.22% - 0.65%

$1,000,000 & Over  0.65% - 0.75%
Repurchase Agreement n/a 0.25%
ICS Checking n/a 0.30%

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 
Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.12%
$25,000 - $49,999.99 0.12% - 0.14%
$50,000 - $99,999.99 0.14% - 0.17%
$100,000 - $199,999.99
0.17% - 0.22%
$200,000 - $999,999.99 0.22% - 0.65%
$1,000,000 & Over 0.65% - 0.75%
ICS Money Market n/a 0.35%
Advantage Savings* $0.00 - $2,499.99 0.05%
$2,500 & Over 0.05% - 0.07%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.12%
$25,000 - $49,999.99
0.17%
$50,000 - $99,999.99 0.20%
$100,000 - $199,999.99 0.27%
$200,000 & Over
0.35%
Kids Savers Club n/a 0.05%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.20%


Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50. Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.20% $500
12-23 Months 0.35% $500
24-29 Months 0.50% $500
30-35 Months 0.80% $500
36 Months & Over 0.90% $500
24 Month "Summit" IRA** 0.45%
$500
12 Month Home Buyer's CD*
0.20%
$100



Special Terms


19 Months 1.00% $2,500










Apply for a Certificate of Deposit

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
Please scroll left to view the rest of the table.

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

Please scroll left to view the rest of the table.
Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.08%
$50,000 & Over 0.08% - 0.10%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.28%
$10,000 - $14,999.99 0.28% - 0.30%

$15,000 - $24,999.99 0.30% - 0.34%

$25,000 & Over 0.34% - 0.42%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



Please scroll left to view the rest of the table.
Business Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.12%
$5,000 - $24,999.99 0.12% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.21%
$100,000 - $199,999.99 0.21% - 0.28%
$200,000 - $999,999.99 0.28% - 0.42%

$1,000,000 & Over 0.42% - 0.46%
Repurchase Agreement n/a 0.25%
ICS Checking n/a 0.30%

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 
Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.12%
$5,000 - $24,999.99 0.12% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.21%
$100,000 - $199,999.99
0.21% - 0.28%
$200,000 - $999,999.99 0.28% - 0.42%
$1,000,000 & Over 0.42% - 0.46%
ICS Money Market n/a 0.35%
Advantage Savings* $0.00 - $2,499.99 0.10%
$2,500 & Over 0.10% - 0.11%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.15%
$25,000 - $49,999.99
0.20%
$50,000 - $99,999.99 0.25%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.45%
Kids Savers Club n/a 0.10%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.24%


Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50. Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.15% $500
12-23 Months 0.20% $500
24-29 Months 0.35% $500
30-35 Months 0.40% $500
36 Months & Over 0.50% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.25%
$100



Special Terms


13 Months 0.20% $2,500
27 Months 0.35% $2,500
49 Months 1.00% $2,500
39 Months 1.10% $2,500










Apply for a Certificate of Deposit

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

Please scroll left to view the rest of the table.
Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.08%
$5,000 - $49,999.99 0.08% - 0.14%
$50,000 & Over 0.14% - 0.17%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.28%
$10,000 - $14,999.99 0.28% - 0.32%

$15,000 - $24,999.99 0.32% - 0.39%

$25,000 & Over 0.39% - 0.50%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



Please scroll left to view the rest of the table.
Business Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - 49,999.99 0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.23%
$100,000 - $199,999.99 0.23% - 0.37%
$200,000 - $999,999.99 0.37% - 0.56%

$1,000,000 & Over  0.56% - 0.63%
Repurchase Agreement $25,000 & Over 0.25%
ICS Checking $15,000 - $24,999.99 0.30%

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 
Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.23%
$100,000 - $199,999.99
0.23% - 0.37%
$200,000 - $999,999.99 0.37% - 0.56%
$1,000,000 & Over 0.56% - 0.63%
ICS Money Market n/a 0.35%
Advantage Savings* $0.00 - $2,499.99 0.10%
$2,500 & Over 0.10% - 0.10%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.15%
$25,000 - $49,999.99
0.20%
$50,000 - $99,999.99 0.25%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.50%
Kids Savers Club n/a 0.05%
Basic Savings* $50 0.10%
Winter FUNd & Summer FUNd n/a 0.29%


Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50. Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.15% $500
12-23 Months 0.20% $500
24-29 Months 0.40% $500
30-35 Months 0.45% $500
36 Months & Over 0.55% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.29%
$100



Special Terms


16 Months 0.35% $2,500
29 Months 0.80% $2,500
39 Months 1.10% $2,500











Apply for a Certificate of Deposit

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
Please scroll left to view the rest of the table.

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

Please scroll left to view the rest of the table.
Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield 
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.05%
$50,000 & Over 0.05% - 0.08%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.25%
$10,000 - $14,999.99 0.25% - 0.33%

$15,000 - $24,999.99 0.33% - 0.40%

$25,000 & Over 0.40% - 0.70%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



Please scroll left to view the rest of the table.
Business Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.12%
$25,000 - $49,999.99 0.12% - 0.14%

$50,000 - $99,999.99
0.14% - 0.17%
$100,000 - $199,999.99 0.17% - 0.22%
$200,000 - $999,999.99 0.22% - 0.33%

$1,000,000 & Over  0.33% - 0.34%
Repurchase Agreement n/a
0.25%
ICS Checking n/a
0.35%

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 
Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.12%
$25,000 - $49,999.99 0.12% - 0.14%
$50,000 - $99,999.99 0.14% - 0.17%
$100,000 - $199,999.99
0.17% - 0.22%
$200,000 - $999,999.99 0.22% - 0.33%
$1,000,000 & Over 0.33% - 0.34%
ICS Money Market n/a 0.35%
Advantage Savings* $0.00 - $2,499.99 0.05%
$2,500 & Over 0.05% - 0.08%
IRA Savings Account $0.00 - $4,999.99 0.15%
$5,000 - $24,999.99 0.20%
$25,000 - $49,999.99
0.25%
$50,000 - $99,999.99 0.30%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.50%
Kids Savers Club n/a 0.05%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.19%


Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50. Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.10% $500
12-23 Months 0.15% $500
24-29 Months 0.24% $500
30-35 Months 0.29% $500
36 Months & Over 0. 44 %
$500
24 Months "Summit" IRA** 0.50%
$500
12 Months Home Buyer's CD*
0.19%
$100



Special Terms


17 Months 1.03%$10,000 (new money)***
17 Months 
1.15%$25,000 (new money)***
27 Months0.70%$500
37 Months1.33%$10,000 (new money)***
37 Months1.45%$25,000 (new money)***




Apply for a Certificate of Deposit

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
***Money not currently on deposit at Merchants Bank.
Please scroll left to view the rest of the table.

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

Please scroll left to view the rest of the table.
Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.08%
$5,000 - $49,999.99 0.08% - 0.14%
$50,000 & Over 0.14% - 0.17%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.28%
$10,000 - $14,999.99 0.28% - 0.32%

$15,000 - $24,999.99 0.32% - 0.39%

$25,000 & Over 0.39% - 0.50%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



Please scroll left to view the rest of the table.
Business Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.23%
$100,000 - $199,999.99 0.23% - 0.37%
$200,000 - $999,999.99 0.37% - 0.56%

$1,000,000 & Over  0.56% - 0.63%
Repurchase Agreement n/a  0.25%
ICS Checking n/a 0.30%

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 
Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.23%
$100,000 - $199,999.99
0.23% - 0.37%
$200,000 - $999,999.99 0.37% - 0.56%
$1,000,000 & Over 0.56% - 0.63%
ICS Money Market n/a 0.35%
Advantage Savings* $0.00 - $2,499.99 0.10%
$2,500 & Over 0.10% - 0.10%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.15%
$25,000 - $49,999.99
0.20%
$50,000 - $99,999.99 0.25%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.50%
Kids Savers Club n/a 0.10%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.29%


Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50. Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.15% $500
12-23 Months 0.20% $500
24-29 Months 0.40% $500
30-35 Months 0.45% $500
36 Months & Over 0.55% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.29%
$100



Special Terms


16 Months 0.35% $2,500
29 Months 0.80% $2,500
39 Months 1.10% $2,500











Apply for a Certificate of Deposit

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
Please scroll left to view the rest of the table.

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

Please scroll left to view the rest of the table.
Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.05%
$50,000 & Over 0.05% - 0.08%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.25%
$10,000 - $14,999.99 0.25% - 0.33%

$15,000 - $24,999.99 0.33% - 0.40%

$25,000 & Over 0.40% - 0.70%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



Please scroll left to view the rest of the table.
Business Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.12%
$25,000 - $49,999.99 0.12% - 0.14%

$50,000 - $99,999.99
0.14% - 0.17%
$100,000 - $199,999.99 0.17% - 0.22%
$200,000 - $999,999.99 0.22% - 0.33%

$1,000,000 & Over  0.33% - 0.34%
Repurchase Agreement n/a
0.25%
ICS Checking n/a
0.30%

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 
Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.12%
$25,000 - $49,999.99 0.12% - 0.14%
$50,000 - $99,999.99 0.14% - 0.17%
$100,000 - $199,999.99
0.17% - 0.22%
$200,000 - $999,999.99 0.22% - 0.33%
$1,000,000 & Over 0.33% - 0.34%
ICS Money Market n/a 0.35%
Advantage Savings* $0.00 - $2,499.99 0.05%
$2,500 & Over 0.05% - 0.08%
IRA Savings Account $0.00 - $4,999.99 0.15%
$5,000 - $24,999.99 0.20%
$25,000 - $49,999.99
0.25%
$50,000 - $99,999.99 0.30%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.50%
Kids Savers Club n/a 0.05%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.20%


Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50. Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.10% $500
12-23 Months 0.15% $500
24-29 Months 0.24% $500
30-35 Months 0.29% $500
36 Months & Over 0.44% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.19%
$100



Special Terms


17 Months1.03%$10,000 (new money)***
17 Months 1.15%$25,000 (new money)***
27 Months 0.70% $500
37 Months 1.33% $10,000 (new money)***
37 Months 1.45% $25,000 (new money)***
 


Apply for a Certificate of Deposit

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD. 
***Money not currently on deposit at Merchants Bank.
Please scroll left to view the rest of the table.

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

Please scroll left to view the rest of the table.
Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.08%
$5,000 - $49,999.99 0.08% - 0.14%
$50,000 & Over 0.14% - 0.17%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.28%
$10,000 - $14,999.99 0.28% - 0.30%

$15,000 - $24,999.99 0.30% - 0.34%

$25,000 & Over 0.34% - 0.42%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



Please scroll left to view the rest of the table.
Business Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.21%
$100,000 - $199,999.99 0.21% - 0.26%
$200,000 - $999,999.99 0.26% - 0.33%

$1,000,000 & Over 0.33% - 0.37%
Repurchase Agreement n/a 0.25%
ICS Checking n/a 0.30%

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 
Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.21%
$100,000 - $199,999.99
0.21% - 0.26%
$200,000 - $999,999.99 0.26% - 0.33%
$1,000,000 & Over 0.33% - 0.37%
ICS Money Market n/a 0.35%
Advantage Savings* $0.00 - $2,499.99 0.05%
$2,500 & Over 0.05% - 0.07%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.15%
$25,000 - $49,999.99
0.20%
$50,000 - $99,999.99 0.25%
$100,000 - $199,999.99 0.35%
$200,000 & Over
0.50%
Kids Savers Club n/a 0.05%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.25%


Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50. Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.10% $500
12-23 Months 0.15% $500
24-29 Months 0.35% $500
30-35 Months 0.40% $500
36 Months & Over 0.45% $500
24 Month "Summit" IRA** 0.45%
$500
12 Month Home Buyer's CD*
0.25%
$100



Special Terms


17 Months1.03%$10,000 (new money)***
17 Months1.15%
$25,000 (new money)***
27 Months0.70%$500
37 Months1.33%$10,000 (new money)***
37 Months1.45%$25,000 (new money)***






Apply for a Certificate of Deposit

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
***Money not currently on deposit at Merchants Bank.
Please scroll left to view the rest of the table.

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

Please scroll left to view the rest of the table.
Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.08%
$50,000 & Over 0.08% - 0.10%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.28%
$10,000 - $14,999.99 0.28% - 0.30%

$15,000 - $24,999.99 0.30% - 0.34%

$25,000 & Over 0.34% - 0.42%
 

*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



Please scroll left to view the rest of the table.
Business Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.12%
$5,000 - $24,999.99 0.12% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.21%
$100,000 - $199,999.99 0.21% - 0.28%
$200,000 - $999,999.99 0.28% - 0.42%

$1,000,000 & Over 0.42% - 0.46%
Repurchase Agreement n/a 0.25%
ICS Checking n/a 0.30%

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 
Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.12%
$5,000 - $24,999.99 0.12% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.21%
$100,000 - $199,999.99
0.21% - 0.28%
$200,000 - $999,999.99 0.28% - 0.42%
$1,000,000 & Over 0.42% - 0.46%
ICS Money Market n/a 0.35%
Advantage Savings* $0.00 - $2,499.99 0.10%
$2,500 & Over 0.10% - 0.11%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.15%
$25,000 - $49,999.99
0.20%
$50,000 - $99,999.99 0.25%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.45%
Kids Savers Club n/a 0.10%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.25%


Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50. Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.15% $500
12-23 Months 0.20% $500
24-29 Months 0.35% $500
30-35 Months 0.40% $500
36 Months & Over 0.50% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.25%
$100



Special Terms


13 Months 0.35% $2,500
25 Months 0.60% $2,500 
45 Months
1.15%
$2,500







Apply for a Certificate of Deposit

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
Please scroll left to view the rest of the table.

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

Please scroll left to view the rest of the table.
Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.08%
$50,000 & Over 0.08% - 0.10%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.28%
$10,000 - $14,999.99 0.28% - 0.30%

$15,000 - $24,999.99 0.30% - 0.34%

$25,000 & Over 0.34% - 0.42%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



Please scroll left to view the rest of the table.
Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.12%
$5,000 - $24,999.99 0.12% - 0.14%
$25,000 -$49,999.99 0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.21%
$100,000 - $199,999.99 0.21% - 0.28%
$200,000 - $999,999.99 0.28% - 0.42%

$1,000,000 & Over 0.42% - 0.46%
Repurchase Agreement n/a 0.25%
ICS Checking n/a 0.30%

Interest rates quoted were effective  February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 
Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.12%
$5,000 - $24,999.99 0.12% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.21%
$100,000 - $199,999.99
0.21% - 0.28%
$200,000 - $999,999.99 0.28% - 0.42%
$1,000,000 & Over 0.42% - 0.46%
ICS Money Market n/a 0.35%
Advantage Savings* $0.00 - $2,499.99 0.10%
$2,500 & Over 0.10% - 0.11%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.15%
$25,000 - $49,999.99
0.20%
$50,000 - $99,999.99 0.25%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.45%
Kids Savers Club n/a 0.10%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.24%


Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50. Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.05% $500
6-11 Months 0.05% $500
12-23 Months 0.05% $500
24-29 Months 0.15% $500
30-35 Months 0.40% $500
36 Months & Over 0.40% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.24%
$100



Special Terms


11 Months 0.50% $500
12 Months 0.89% $10,000
24 Months1.00%
$10,000
25 Months
0.80%
$500
35 Months0.85%$500
36 Months 1.25%
$10,000

Apply for a Certificate of Deposit

Interest rates quoted were effective February 20, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
Please scroll left to view the rest of the table.

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

Please scroll left to view the rest of the table.
Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.08%
$5,000 - $49,999.99 0.08% - 0.14%
$50,000 & Over 0.14% - 0.17%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.28%
$10,000 - $14,999.99 0.28% - 0.32%

$15,000 - $24,999.99 0.32% - 0.39%

$25,000 & Over 0.39% - 0.50%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



Please scroll left to view the rest of the table.
Business Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.23%
$100,000 - $199,999.99 0.23% - 0.37%
$200,000 - $999,999.99 0.37% - 0.56%

$1,000,000 & Over  0.56% - 0.63%
Repurchase Agreement n/a 0.25%
ICS Checking n/a 0.30%

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 
Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.23%
$100,000 - $199,999.99
0.23% - 0.37%
$200,000 - $999,999 0.37% - 0.56%
$1,000,000 & Over 0.56% - 0.63%
ICS Money Market n/a 0.35%
Advantage Savings* $0.00 - $2,499.99 0.10%
$2,500 & over 0.10% - 0.10%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.15%
$25,000 - $49,999.99
0.20%
$50,000 - $99,999.99 0.25%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.50%
Kids Savers Club n/a 0.10%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.29%


Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50. Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.15% $500
12-23 Months 0.20% $500
24-29 Months 0.40% $500
30-35 Months 0.45% $500
36 Months & Over 0.55% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.29%
$100



Special Terms


16 Months 0.35% $2,500
29 Months 0.80% $2,500
39 Months 1.10% $2,500









Apply for a Certificate of Deposit

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
Please scroll left to view the rest of the table.

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

Please scroll left to view the rest of the table.
Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.05%
$50,000 & Over 0.05% - 0.08%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.25%
$10,000 - $14,999.99 0.25% - 0.33%

$15,000 - $24,999.99 0.33% - 0.40% 

$25,000 & Over 0.40% - 0.70%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



Please scroll left to view the rest of the table.
Business Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.12%
$25,000 - $49,999.99 0.12% - 0.14%

$50,000 - $99,999.99
0.14% - 0.17%
$100,000 - $199,999.99 0.17% - 0.22%
$200,000 - $999,999.99 0.22% - 0.33%

$1,000,000 & Over 0.33% - 0.34%
Repurchase Agreement n/a
0.25%
ICS Checking n/a
0.30%

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 
Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.12%
$25,000 - $49,999.99 0.12% - 0.14%
$50,000 - $99,999.99 0.14% - 0.17%
$100,000 - $199,999.99
0.17% - 0.22%
$200,000 - $999,999.99 0.22% - 0.33%
$1,000,000 & Over 0.33% - 0.34%
ICS Money Market n/a 0.35%
Advantage Savings* $0.00 - $2,499.99 0.05%
$2,500 & Over 0.05% - 0.08%
IRA Savings Account $0.00 - $4,999.99 0.15%
$5,000 - $24,999.99 0.20%
$25,000 - $49,999.99
0.25%
$50,000 - $99,999.99 0.30%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.50%
Kids Savers Club n/a 0.05%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.20%


Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50. Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.10% $500
12-23 Months 0.15% $500
24-29 Months 0.24% $500
30-35 Months 0.29% $500
36 Months & Over 0.44% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.19%
$100



Special Terms


17 Months 1.03% $10,000 (new money)***
17 Months 1.15% $25,000 (new money)***
27 Months 0.70% $500
37 Months1.33% $10,000 (new money)***
37 Months 1.45%$25,000 (new money)***




Apply for a Certificate of Deposit

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
***Money not currently on deposit at Merchants Bank.
Please scroll left to view the rest of the table.

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

Please scroll left to view the rest of the table.
Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.05%
$50,000 & Over 0.05% - 0.08%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.25%
$10,000 - $14,999.99 0.25% - 0.33%

$15,000 - $24,999.99 0.33% - 0.40%

$25,000 & Over 0.40% - 0.70%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



Please scroll left to view the rest of the table.
Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.11%
$25,000 - $49,999.99
0.11% - 0.13%

$50,000 - $99,999.99
0.13% - 0.16%
$100,000 - $199,999.99 
0.16% - 0.21%
$200,000 - $999,999.99
0.21% - 0.32%

$1,000,000 & Over
0.32% - 0.34%
Repurchase Agreement n/a 0.25%
ICS Checking n/a 0.30%

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 
Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.11%
$25,000 - $49,999.99 0.11% - 0.13%
$50,000 - $99,999.99 0.13% - 0.16%
$100,000 - $199,999.99
0.16% - 0.21%
$200,000 - $999,999.99 0.21% - 0.32%
$1,000,000 & Over 0.32% - 0.34%
ICS Money Market n/a 0.35%
Advantage Savings* $0.00 - $2,499.99 0.05%
$2,500 & Over 0.05% - 0.08%
IRA Savings Account $0.00 - $4,999.99 0.15%
$5,000 - $24,999.99 0.20%
$25,000 - $49,999.99
0.25%
$50,000 - $99,999.99 0.30%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.50%
Kids Savers Club n/a 0.05%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.19%


Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50. Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.10% $500
12-23 Months 0.15% $500
24-29 Months 0.24% $500
30-35 Months 0.29% $500
36 Months & Over 0.44% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.19%
$100






Special Terms


17 Months
1.03%
$10,000 (new money)***
17 Months
1.15%
$25,000 (new money)***
27 Months 0.70% $500
37 Months
1.33%
$10,000 (new money)***
37 Months
1.45%
$25,000 (new money)***




Apply for a Certificate of Deposit

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD. 
***Money not currently on deposit at Merchants Bank.
Please scroll left to view the rest of the table.

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

Please scroll left to view the rest of the table.
Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.05%
$50,000 & Over 0.05% - 0.08%
HSA Checking $0.00 - $4,999.99
0.15%
$5,000 - $9,999.99 0.15% - 0.17%
$10,000 - $14,999.99 0.17% - 0.22%

$15,000 - $24,999.99 0.22% - 0.29%

$25,000 & Over 0.29% - 0.37%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



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Business Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.12%
$25,000 - $49,999.99 0.12% - 0.14%

$50,000 - $99,999.99
0.14% - 0.17%
$100,000 - $199,999.99 0.17% - 0.22%
$200,000 - $999,999.99 0.22% - 0.32%

$1,000,000 & Over 0.32% - 0.39%
Repurchase Agreement n/a 0.25%
ICS Checking n/a 0.30%

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 
Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.
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Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.12%
$25,000 - $49,999.99 0.12% - 0.14%
$50,000 - $99,999.99 0.14% - 0.17%
$100,000 - $199,999.99
0.17% - 0.22%
$200,000 - $999,999 0.22% - 0.32%
$1,000,000 & Over 0.32% - 0.39%
ICS Money Market n/a 0.35%
Advantage Savings* $0.00 - $2,499.99 0.05%
$2,500 & Over 0.05% - 0.07%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.12%
$25,000 - $49,999.99
0.17%
$50,000 - $99,999.99 0.20%
$100,000 - $199,999.99 0.27%
$200,000 & Over
0.35%
Kids Savers Club n/a 0.05%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.20%


Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50. Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.
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Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.05% $500
6-11 Months 0.10% $500
12-23 Months 0.15% $500
24-29 Months 0.25% $500
30-35 Months 0.30% $500
36 Months & Over 0.45% $500
24 Month "Summit" IRA** 0.45%
$500
Home Buyer's CD*
0.20%
$100



Special Terms


17 Months 1.03% $10,000 (new money)***
17 Months
1.15%
$25,000 (new money)*** 
27 Months 0.70% $500
37 Months 1.33% $10,000 (new money)***
37 Months 1.45% $25,000 (new money)***












Apply for a Certificate of Deposit

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD. 
***Money not currently on deposit at Merchants Bank.
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Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

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Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.05%
$50,000 & Over 0.05% - 0.08% 
HSA Checking $0.00 - $4,999.99
0.15%
$5,000 - $9,999.99 0.15% - 0.17%
$10,000 - $14,999.99 0.17% - 0.22%

$15,000 - $24,999.99 0.22% - 0.29%

$25,000 & Over 0.29% - 0.37%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



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Business Checking Account Minimum Balance per Tier 
Required to Earn APY 
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10 - 0.12%
$25,000 - $49,999.99 0.12% - 0.14%

$50,000 - $99,999.99
0.14% - 0.17%
$100,000 - $199,999.99 0.17% - 0.22%
$200,000 - $999,999.99 0.22% - 0.32%

$1,000,000 & Over 0.32% - 0.39%
Repurchase Agreement n/a 0.25%
ICS Checking n/a 0.30%

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 
Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.
Please scroll left to view the rest of the table.
Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.12%
$25,000 - $49,999.99 0.12% - 0.14%
$50,000 - $99,999.99 0.14% - 0.17%
$100,000 - $199,999.99
0.17% - 0.22%
$200,000 - $999,999.99 0.22% - 0.32%
$1,000,000 & Over 0.32% - 0.39%
ICS Money Market n/a 0.35%
Advantage Savings* $0.00 - $2,499.99 0.05%
$2,500 & Over 0.05% - 0.07%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.12%
$25,000 - $49,999.99
0.17%
$50,000 - $99,999.99 0.20%
$100,000 - $199,999.99 0.27%
$200,000 & Over
0.35%
Kids Savers Club n/a 0.05%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.20%


Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50. Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.
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Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.05% $500
6-11 Months 0.10% $500
12-23 Months 0.15% $500
24-29 Months 0.25% $500
30-35 Months 0.30% $500
36 Months & Over 0.45% $500
24 Month "Summit" IRA** 0.45%
$500
12 Month Home Buyer's CD*
0.20%
$100



Special Terms


17 Months 1.03% $10,000 (new money)***
17 Months
1.15%
$25,000 (new money)*** 
27 Months 0.70%$500
37 Months 1.33% $10,000 (new money)***
37 Months 1.45% $25,000 (new money)***










Apply for a Certificate of Deposit

Interest rates quoted were effective  February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD. 
***Money not currently on deposit at Merchants Bank.
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