Personal Banking

Personal Banking Rates

The annual percentage yields (APY) are accurate as of April 18, 2014 and are subject to change without notice. The annual percentage yield on all Time Deposits with a term length indicated in a range of days/months is calculated on the maximum term length for that particular deposit.

Time Deposit (CD)
Product Minimum Opening Deposit Interest Rate APY
4 week $10,000 .15% .15%
13 week $10,000 .15% .15%
6 month $1,000 .30% .30%
1 year $1,000 .55% .55%
2 year $1,000 0.75% 0.75%
3 year $1,000 1.00% 1.00%
4 year $1,000 1.19% 1.20%
5 year $1,000 1.44% 1.45%
  • The APY assumes interest will remain on deposit until maturity.
  • Time Deposits automatically renew.
  • Penalty may be imposed for early withdrawals.
  • Disclosure
Interest Checking
Product Minimum Opening Deposit Interest Rate APY
Interest Checking $1,000 .15% .15%
Legacy 55 Checking $100 .15% .15%
Regular Savings
Product Minimum Opening Deposit Interest Rate APY
Personal Savings $100 .15% .15%
  • The interest rate and APY may change after account opening.
  • Fees may reduce earnings.
  • Disclosure
Money Market
Product Minimum Opening Deposit Interest Rate APY.
$9,999.99 $2,500 .15% .15%
$10,000 – 49,999.99 $2,500 .25% .25%
$50,000 – 99,999.99 $2,500 .30% .30%
$100,000 and up $2,500 .35% .35%
  • The interest rate and APY may change after account opening.
  • Fees may reduce earnings.
  • Disclosure

Prestige Money Market
Prestige Money Market Account

Product Minimum Opening Deposit Interest Rate APY
Prestige Money Market $2,500 . .
Daily Balances of: . . .
Up to $199,999.99 . .15% .15%
$200,000.00 – 399,999.99 . .35% .35%
$400,000.00 and up . .45% .45%

  • The interest rate and APY may change after account opening.
  • Fees may reduce earnings.
  • Disclosure
IRA

Individual Retirement Accounts

Time Deposit Minimum Opening Deposit Interest Rate APY
6 month $100 .30% .30%
18 month $100 .65% .65%

  • The APY assumes interest will remain on deposit until maturity.
  • It will automatically renew.
  • Penalty may be imposed for early withdrawals.
  • Disclosure
HSA
Product Minimum Opening Deposit Interest Rate APY.
Health Savings Account $0 . .
Daily Balances of: . . .
$1,000 – 2,499.99 . .15% .15%
$2,500 and up . .25% .25%
  • The interest rate and APY may change after account opening.
  • Fees may reduce earnings.
  • Disclosure

Automobile Loans

Year Term Interest Rate APR as low as*.
2009 – New Up to 72 months**
2007 – 2008 48 months
2006 – older 36 months

*Example of repayment terms: A $10,000 loan at an interest rate of 5.95% for a 72-month term, the monthly payment would be $165.49 (APR 6.300%).

**72 month-term eligible on new vehicles only with loan amounts greater than $30,000.
Interest rate is based on a .25% automatic payment discount from a Legacy Bank account. Rate may increase if automatic payments are discontinued at any time.

  • Loan is subject to credit approval.
  • Rates offered are not guaranteed and are subject to change without notice.

Motorcycle, ATV, RV, Watercraft, Motor Home

Year Term Interest Rate APR as low as*.
2008 – 2010 60 months
2004 – 2007 48 months
2003 – older 36 months

*Example of repayment terms: A $10,000 loan at an interest rate of 8.900% for a 60-month term, the monthly payment would be $209.18 (APR 9.328%).

  • Loan is subject to credit approval.
  • Rates offered are not guaranteed and are subject to change without notice.

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