Personal Deposit Rates
Quickly compare deposit rates to find the best account for you.
Rates effective as of April 8, 2025
Checking Accounts
| Account Type | Minimum Deposit to Open | Minimum Balance to Earn APY | Interest Rate | APY* |
|---|---|---|---|---|
| Advantage Checking | $50 | N/A | N/A | N/A |
| Advantage Plus Checking | $1,000 | $1,000 | 0.02% | 0.02% |
| Smart Start Checking | $50 | N/A | N/A | N/A |
| Cash Back Checking | $50 | $1,000 | 0.02% | 0.02% |
Classic Money Market Account
| Rate Tier | Minimum Deposit to Open | Minimum Balance to Earn APY | Interest Rate | APY* |
|---|---|---|---|---|
| Tier 1 | $1,000 | $0.01 - $24,999.99 | 1.00% | 1.00% |
| Tier 2 | $1,000 | $25,000 - $99,999.99 | 1.00% | 1.00% |
| Tier 3 | $1,000 | $100,000 - $299,999.99 | 1.49% | 1.50% |
| Tier 4 | $1,000 | $300,000 - $499,999.99 | 1.49% | 1.50% |
| Tier 5 | $1,000 | $500,000 and over | 1.49% | 1.50% |
Savings Accounts
| Account Type | Minimum Deposit to Open | Minimum Balance to Earn APY | Interest Rate | APY* |
|---|---|---|---|---|
| Advantage Savings Tier 1 | $100 | $0.01 - $4,999.99 | 0.03% | 0.03% |
| Advantage Savings Tier 2 | $100 | $5,000 and over | 0.03% | 0.03% |
| Ca$h Savings Club | $10 | $0.01 | 0.03% | 0.03% |
Certificates of Deposit (CDs)
| Account Type | Minimum Balance | Interest Rate | APY* |
|---|---|---|---|
| 7 Month SPECIAL | $1,000 | 4.17% | 4.25% |
| 26 Month SPECIAL | $1,000 | 3.45% | 3.51% |
| Flexible Add-On (6-12 month terms) | $250 | 0.40% | 0.40% |
| 1 Year | $1,000 | 0.60% | 0.60% |
| 2 Year | $1,000 | 0.70% | 0.70% |
| 3 Year | $1,000 | 1.05% | 1.06% |
| 4 Year | $1,000 | 1.14% | 1.15% |
| 5 Year | $1,000 | 1.24% | 1.25% |
Individual Retirement Account (IRA)
| Account Type | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| 7 Month SPECIAL | $100 | 4.17% | 4.25% |
| 26 Month SPECIAL | $100 | 3.45% | 3.51% |
| Fixed Rate 6 Month | $100 | 0.75% | 0.75% |
| Fixed Rate 1 Year | $100 | 1.00% | 1.00% |
| Fixed Rate 2 Year | $100 | 1.09% | 1.10% |
| Fixed Rate 3 Year | $100 | 1.39% | 1.40% |
| Fixed Rate 4 Year | $100 | 1.49% | 1.50% |
Health Savings Account (HSA)
| Rate Tier | Minimum Deposit to Open | Minimum Balance to Earn APY | Interest Rate | APY* |
|---|---|---|---|---|
| Tier 1 | $100 | $0.01 - $24,999.99 | 0.20% | 0.20% |
| Tier 2 | $100 | $25,000 - $99,999.99 | 1.00% | 1.00% |
| Tier 3 | $100 | $100,000 - $299,999.99 | 1.49% | 1.50% |
| Tier 4 | $100 | $300,000 - $499,999.99 | 1.49% | 1.50% |
| Tier 5 | $100 | $500,000 and Over | 1.49% | 1.50% |
*APY = Annual Percentage Yield
Fees may reduce earnings.
Checking, Savings, Money Markets & HSAs:
- Rates may change at any time
CDs & IRAs:
- A penalty will be imposed for early withdrawal
- Rates are subject to change at maturity