Rates
CURRENT RATES
Interest rates and Annual Percentage Yield (APY's) are current as of 7/2/2025 and are subject to change without notice. The rate may change after the account is opened on all checking, savings, and money market accounts. Fees could reduce earnings. A penalty may be imposed for early withdrawal on certificates of deposit.
Rates for accounts opened online may vary from the rates published below.
Checking Accounts
Account Type |
Minimum to Open |
Tiered Balance |
Rate |
APY |
Relationship Checking |
$25 | N/A | 0.02% | 0.02% |
Legacy Checking |
$25 | N/A | 0.02% | 0.02% |
| Compounded monthly on collected balance. | ||||
Money Market Accounts
Consumer
Account Type |
Minimum to Open |
Tiered Balance |
Rate |
APY |
| Personal Money Market | $2,500 | N/A | 0.35% | 0.35% |
| Superior Money Market | $10,000 | $0-$99,999 | 0.74% | 0.75% |
| $100,000-$249,999 | 0.99% | 1.00% | ||
| $250,000+ | 1.24% | 1.25% | ||
| Relationship Money Market | $2,500 | $0-$24,999 | 1.14% | 1.15% |
| $25,000-$49,999 | 1.64% | 1.65% | ||
| $50,000-$99,999 | 2.13% | 2.15% | ||
| $100,000+ | 2.62% | 2.65% | ||
| Compounded monthly on collected balance. | ||||
Commercial
Account Type |
Minimum to Open |
Tiered Balance |
Rate |
APY |
| Business Money Market Max | $2,500 | $0-$249,999 | 0.99% | 1.00% |
| $250,000-$499,999 | 1.24% | 1.25% | ||
| $500,000-$749,999 | 1.24% | 1.25% | ||
| $750,000+ | 1.48% | 1.50% | ||
| Compounded monthly on collected balance. | ||||
Savings Accounts
Account Type |
Minimum to Open |
Tiered Balance |
Rate |
APY |
| Statement | $100 | N/A | 0.05% | 0.05% |
| Compounded Monthly | ||||
|
Children's Savings - |
$25 | N/A | 0.05% | 0.05% |
| Compounded monthly | ||||
|
High Interest Savings - |
$2,500 | $0-$9,999 | 0.05% | 0.05% |
| $10,000+ | 0.10% | 0.10% | ||
| Compounded monthly | ||||
Certificates of Deposit*
With straightforward CD terms and consistently competitive rates, we make it easy to securely grow your money. No need to waste time searching for special rate offers with short promotional periods. All of our standard CD rates are special, and our logical terms make meeting your savings goals less complicated.
Account Type |
Minimum to Open** |
Rate |
APY |
Type |
| 6 month / 182 days | $500 | 3.22% | 3.25% | CD |
| Compounded at maturity | ||||
| 12 month | $500 | 2.97% | 3.00% | CD |
| 18 month | $500 | 3.46% | 3.50% | CD |
| 24 month | $500 | 1.00% | 1.00% | CD |
| 36 month | $500 | 1.00% | 1.00% | CD |
| 60 month | $500 | 1.00% | 1.00% | CD |
| Compounded quarterly | ||||
|
*An early withdrawal penalty may be imposed on Certificates of Deposit. **Minimum balance to obtain the advertised annual percentage yield. |
||||
IntraFi (CDARS) Certificates of Deposit**
Access multi-million-dollar FDIC insurance at IntraFi network banks while working directly with just us. Large deposits placed at IntraFi network banks are eligible for protection backed by the full faith and credit of the federal government.
Account Type |
Opening Deposit |
Rate |
APY |
Type |
| 24 month (104 weeks) | $25,000 minimum / $1,000,000 maximum | 3.11% | 3.15% | CD |
| 36 month (156 weeks) | $25,000 minimum / $500,000 maximum | 3.11% | 3.15% | CD |
| Compounded quarterly | ||||
| **Deposit placement through Certificate of Deposit Account Registry Services (CDARS) or Insured Cash Sweep (ICS) is subject to the terms, conditions, and disclosures in applicable agreements. An early withdrawal penalty may be imposed on Certificates of Deposit. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS or ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi, ICS, CDARS and Bank Safe, Bank Smart are registered service marks, and IntraFi Cash Services is a service mark of IntraFi Network LLC. | ||||
