East Lansing Rates
Time Certificate of Deposit**
CD Term | Interest Rate | APY* |
|---|---|---|
| 3 Month | 3.55% | 3.60% |
| 6 Month | 3.80% | 3.85% |
| 7 Month | 3.99% | 4.05% |
| 12 Month | 3.89% | 3.95% |
| 18 Month | 3.76% | 3.81% |
| 24 Month | 3.65% | 3.70% |
| 36 Month | 3.60% | 3.65% |
| 48 Month | 3.60% | 3.65% |
| 60 Month | 3.70% | 3.75% |
| 72 Month | 3.75% | 3.80% |
| 84 Month | 3.75% | 3.80% |
| 96 Month | 3.75% | 3.80% |
| 108 Month | 3.75% | 3.80% |
| 120 Month | 3.75% | 3.80% |
Elevate Checking
Balance Tier | Interest Rate | APY* |
|---|---|---|
| $20,000 or less | 4.41% | 4.50% |
| Greater than $20,000 up to $50,000 | 1.98% | 4.50% - 3.00% |
| Greater than $50,000 up to $100,000 | 2.23% | 3.00% - 2.63% |
| Greater than $100,000 up to $1,000,000 | 2.47% | 2.63% - 2.51% |
| Greater than $1,000,000 | 2.57% | 2.51% - 2.60% |
High-Yield Savings
Balance Tiers | Interest Rate | APY* |
|---|---|---|
| $20,000 or less | 2.23% | 2.25% |
| Greater than $20,000 up to $50,000 | 2.47% | 2.50% |
| Greater than $50,000 up to $100,000 | 2.72% | 2.75% |
| Greater than $100,000 up to $250,000 | 2.96% | 3.00% |
| Greater than $250,000 | 3.45% | 3.50% |
HomeTowne Checking
Account Balance | Interest Rate | APY* |
|---|---|---|
| $50,000 or less | 2.48% | 2.51% |
| Greater than $50,000 up to $100,000 | 2.48% | 2.51% |
| Greater than $100,000 up to $250,000 | 2.47% | 2.50% |
| Greater than $250,000 up to $1,000,000 | 2.72% | 2.75% |
| Over $1,000,000 | 2.72% | 2.75% |
Traditional and other Savings Options
Savings Account Type | Interest Rate | APY* |
|---|---|---|
| Statement Savings | .25% | .25% |
| Health Savings | .30% | .30% |
Visit your local branch to get personalized service and explore all of our account options today!
Open a Bank Account Online Today!
**$1,000 minimum balance to obtain the APY. The same CD rates are also available on Roth and Traditional IRA CD’s for terms from 12 months through 60 months. The APY on all certificates assumes that principal and interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. For deposits over $1 million dollars please call for rates.
Hometown Checking is a tiered, variable rate account with a minimum opening deposit of $1,000. Account balances up to $50,000 will earn interest at 2.51% APY; balances greater than $50,000 up to $100,000 will earn interest at 2.51% APY; balances greater than $100,000 up to $250,000 will earn interest at 2.50% APY; balances greater than $250,000 up to $1,000,000 will earn interest at a rate of 2.75% APY; balances greater than $1,000,000 will earn interest at 2.75% APY. When your balance falls into a specific rate tier; your entire balance will earn the applicable rate for that tier. For example, if your balance is greater than $250,000, your entire balance will earn 2.75% APY. Interest will be calculated and posted on the last day of each monthly Statement Cycle using a Daily Balance Method. The Daily Balance Method applies a periodic rate to the principal balance in your account each day. A $10.00 Service Fee will be imposed if your daily balance falls below $1,000 on any day of the statement cycle period.
High Yield Savings is a tiered, variable rate account with a minimum opening deposit of $1,000. Account balances up to $20,000 will earn interest at 2.25% APY; balances greater than $20,000 up to $50,000 will earn interest at 2.50% APY; balances greater than $50,000 up to $100,000 will earn interest at 2.75 APY%; balances greater than $100,000 up to $250,000 will earn interest at a rate of 3.00% APY; balances greater than $250,000 will earner interest at 3.50% APY. When your balance falls into a specific rate tier; your entire balance will earn the applicable rate for that tier. For example, if your balance reaches $250,000. or more, your entire balance will earn 3.50% APY. Interest will be calculated and posted on the last day of each monthly Statement Cycle using a Daily Balance Method. The Daily Balance Method applies a periodic rate to the principal balance in your account each day. A $10.00 Service Fee will be imposed if your average daily balance falls below $1000 for the statement cycle period.
Elevate Checking is a tiered, variable-rate account with a minimum opening deposit of $1,000 of new money. *To qualify for the monthly interest reward (4.50% APY) you must meet the following minimum checking account requirements each statement cycle: (1) make 10 debit transactions on this account during the statement cycle, (2) maintain at least a $1,000 average daily balance in the account, (3) receive an aggregate of $1,000 or more in electronic fund credits of new money during the statement cycle, (4) sign-in to your account at least once using mobile or online banking. New money is defined as money received from another financial institution and not transferred between accounts at FNBA. Statement Cycle is defined as the monthly recurring time period between two consecutive account statements (i.e. Sept 5th through October 4th). Balance information and interest crediting: If you meet the minimum qualification requirements during the monthly Statement Cycle, 4.50% APY will apply to balances up to $20,000.00; 4.50% - 3.00% APY will apply to balances greater than $20,000 up to $50,000.00; 3.00% - 2.63% APY will apply to balances greater than $50,000 up to $100,000.00; 2.63% - 2.51% APY will apply to balances greater than $100,000 up to $1,000,000.00 and an APY of 2.51% - 2.60% for balances greater than $1,000,000.00. Each interest rate will apply only to the portion of the account balance that is within the specified range. The APY shown on your monthly statement will reflect interest earnings for your entire balance. Interest will be calculated and posted on the last day of each monthly Statement Cycle using a Daily Balance Method. The Daily Balance Method applies a periodic rate to the principal balance in your account each day. General information: If you do not meet one or more of the rewards qualifications, your APY will be reduced to 0.01%. If you close your account before interest is paid, you may not receive the accrued interest. Only one Elevate Checking per Social Security number.