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Effective Date: April 16, 2014

Certificates of Deposit

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Special CD Rates for VISTA customers! Ask us for details.

Account Type
APY*
Minimum Deposit to Open
Minimum Balance 
to Obtain APY
3 Months
.30%
$1,000
$10
6 Months
.40%
$1,000
$10
12 Months
.60%
$1,000
$10
18 Months
.80%
$1,000
$10
24 Months
1.00%
$1,000
$10
36 Months
1.25%
$1,000
$10
48 Months
1.50%
$1,000
$10
60 Months 2.00% $1,000 $10
*The Annual Percentage Yield (APY) is accurate as of the Effective Date listed above. Fees may reduce earnings on an account. A substantial penalty may be imposed for early withdrawal of time accounts. Certificates of Deposit accounts earn a fixed rate of interest until maturity. Deposits insured by the FDIC up to the current FDIC limits and by the DIF up to any amount in excess of FDIC limits. The APY assumes interest remains on deposit until maturity. Premium CD rates may be available to customers with an active VISTA Relationship. This premium rate does not apply to CD Special Offerings.
Effective Date: April 16, 2014

Individual Retirement Account (IRA)

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Account Type
APY*
Minimum Deposit to Open
Minimum Balance 
to Obtain APY
3 Months
.30%
$1,000
$10
6 Months
.40%
$1,000
$10
12 Months
.60%
$1,000
$10
18 Months
.80%
$1,000
$10
24 Months
1.00%
$1,000
$10
36 Months
1.25%
$1,000
$10
48 Months
1.50%
$1,000
$10
*The Annual Percentage Yield (APY) is accurate as of the Effective Date listed above. Fees may reduce earnings on an account. A substantial penalty may be imposed for early withdrawal of time accounts. Individual Retirement Accounts earn a fixed rate of interest until maturity. Deposits insured by the FDIC up to the current FDIC limits and by the DIF up to any amount in excess of FDIC limits.
Effective Date: April 16, 2014

VISTA Personal Banking

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Account Type
APY*
Minimum Deposit to Open
Minimum Balance 
to Obtain APY
VISTA Personal Money Market **
.25%
$100
Tier 1
$1 - $4999
 
.35%
$100
Tier 2
$5000 - $24,999
 
.50%
$100
Tier 3
$25,000 - $49,999
 
.65%
$100
Tier 4
$50,000 - $99,999
 
.65%
$100
Tier 5
$100,000 and Above
 
 
 
 
VISTA Personal Checking
.05%
$100
Tier 1
$1 and Above
*The Annual Percentage Yield (APY) is reset each month based on U.S.Treasury 3-Monthly Treasury Bill rates as posted in the Wall Street Journal on the first day of the month. Fees may reduce earnings on an account. The rate on accounts is variable and may change after the account is opened. Deposits insured by the FDIC up to the current FDIC limits and by the DIF up to any amount in excess of FDIC limits. ** This Account is only available with VISTA Personal Checking.
Effective Date: April 16, 2014

Pinnacle Personal Banking

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Account Type
APY*
Minimum Deposit to Open
Minimum Balance 
to Obtain APY
Pinnacle Savings
.05%
$25
$1
 
 
 
 
Pinnacle Money Market
.05%
$50
Tier 1
$1 - $4999
 
.15%
$50
Tier 2
$5000 - $24,999
 
.25%
$50
Tier 3
$25,000 - $49,999
 
.35%
$50
Tier 4
$50,000 - $99,999
 
.50%
$50
Tier 5
$100,000 and Above
*The Annual Percentage Yield (APY) is accurate as of the Effective Date listed above. Fees may reduce earnings on an account. The rate on accounts is variable and may change after the account is opened. Deposits insured by the FDIC up to the current FDIC limits and by the DIF up to any amount in excess of FDIC limits.
Effective Date: April 16, 2014

VISTA Business Banking

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Account Type
APY*
Minimum Deposit to Open
Minimum Balance 
to Obtain APY
VISTA Business Money Market **
.25%
$100
Tier 1
$1 - $4999
 
.35%
$100
Tier 2
$5000 - $24,999
 
.50%
$100
Tier 3
$25,000 - $49,999
 
.65%
$100
Tier 4
$50,000 - $99,999
 
.65%
$100
Tier 5
$100,000 and Above
*The Annual Percentage Yield (APY) is reset each month based on U.S.Treasury 3-Monthly Treasury Bill rates as posted in the Wall Street Journal on the first day of the month. Fees may reduce earnings on an account. The rate on accounts is variable and may change after the account is opened. Deposits insured by the FDIC up to the current FDIC limits and by the DIF up to any amount in excess of FDIC limits. ** This Account is only available with VISTA Business Checking.
Effective Date: April 16, 2014

Pinnacle Business Banking

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Account Type
APY*
Minimum Deposit to Open
Minimum Balance 
to Obtain APY
Pinnacle Money Market
.05%
$50
Tier 1
$1 - $4999
 
.15%
$50
Tier 2
$5000 - $24,999
 
.25%
$50
Tier 3
$25,000 - $49,999
 
.35%
$50
Tier 4
$50,000 - $99,999
 
.50%
$50
Tier 5
$100,000 - $250,000
*The Annual Percentage Yield (APY) is accurate as of the Effective Date listed above. Fees may reduce earnings on an account. The rate on accounts is variable and may change after the account is opened. Deposits insured by the FDIC up to the current FDIC limits and by the DIF up to any amount in excess of FDIC limits.
Effective Date: April 16, 2014

Personal Loans

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Maximum Term
APR*
Monthly Payment per $1,000
 
36 Months
14.99%
$34.66
*Annual Percentage Rate (APR) accurate as of the Effective Date listed above. Rates are subject to change without notice. Loans subject to credit application and approval.