Deposit Rates

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Rates effective 12/15/2025

Rates Subject to Change Without Notice

Certificates of Deposit Specials

TermInterest RateAPY*Minimum Balance to Open
7 Month CD23.743.80$500
10 Month CD33.643.70$500
17 Month CD43.203.25$500

A $10 minimum balance is required to earn the stated APY.  Please Note: Fees could reduce earnings on these accounts. With fixed-rate term accounts, rates are guaranteed for length of term.   Early withdrawal penalties may be imposed for withdrawals from certificates of deposit before maturity.

1 APY = Annual Percentage Yield

2 The 7-month account will renew to a 6-month certificate of deposit at the then-current APY.

3 The 10-month account will renew to a 9-month certificate of deposit at the then-current APY.

4 The 17-month account will renew to a 12-month certificate of deposit at the then-current APY.

Certificates of Deposit

TermInterest RateAPY*Minimum Balance to Open
3 Month CD0.150.15$500
6 Month CD0.250.25$500
9 Month CD1.001.00$500
13 Month CD11.001.00$500
15 Month CD11.001.00$500
1 Year CD0.400.40$500
18 Month CD0.500.50$500
2 Year CD0.500.50$500
3 Year CD0.500.50$500
5 Year CD0.500.50$500
Save$um CD0.500.50$250

*Annual Percentage Yield

A $10 minimum balance is required to earn the stated APY.

Please Note: Fees could reduce earnings on these accounts. With fixed-rate term accounts, rates are guaranteed for length of term. 

Early withdrawal penalties may be imposed for withdrawals from certificates of deposit before maturity.

1 Accounts will renew to a 12-month certificate of deposit at the then-current APY.

IRAs

IRAs (Rate Table)
TermInterest RateAPY*Minimum Balance to Open
6 Month IRA0.250.25$500
9 Month IRA1.001.00$500
1 Year IRA0.400.40$500
13 Month IRA11.001.00$500
15 Month IRA11.001.00$500
18 Month IRA0.500.50$500
2 Year IRA0.500.50$500
3 Year IRA0.500.50$500
5 Year IRA0.500.50$500

*Annual Percentage Yield

A $10 minimum balance is required to earn the stated APY.

Please Note: Fees could reduce earnings on these accounts. With fixed-rate term accounts, rates are guaranteed for length of term.

Early withdrawal penalties may be imposed for withdrawals from IRA certificates of deposit before maturity.

1 Accounts will renew to a 12-month IRA certificate of deposit at the then-current APY.

Savings & Money Market

Savings & Money Market (Rate Table)
 TypeInterest RateAPY*Minimum Balance to Earn APY*
Transactional Statement Savings0.010.01$10
Club Savings0.010.01$10
IRA Statement Savings0.010.01$10
Solutions Money Market**(Tier 1)0.750.75$10 - $99,999.99 (Variable Rate)
Solutions Money Market**(Tier 2)1.501.50$100,000 or more (Variable Rate)
Xtreme Money Market**(Tier 1)0.050.05$10 - $2,499.99 (Variable Rate)
Xtreme Money Market**(Tier 2)0.500.50$2,500 - $49,999.99 (Variable Rate)
Xtreme Money Market**(Tier 3)1.001.00$50,000 or more (Variable Rate)

$10 minimum balance to earn APY.

*Annual Percentage Yield
**You must deposit $2,500.00 to open this account. Solutions Money Market rate effective 8/19/2022.

Please Note: Fees could reduce earnings on these accounts. Rates on variable rate accounts may change after the account is opened.

Checking

Checking (Rate Table)
 TypeInterest RateAPY*Minimum Balance to Earn APY*
Direct Free Interest Checking0.020.02$10
Fabulous 50 Free Interest Checking0.020.02$10
Premium Interest Checking0.010.01$10 - $2,499.99
 0.050.05$2,500 or more
18/65 Checking0.010.01$10

*Annual Percentage Yield

Please Note: Fees could reduce earnings on these accounts. Rates on variable rate accounts may change after the account is opened.

Business Checking & Savings

Business Checking & Savings (Rate Table)
 TypeInterest RateAPY*Minimum Balance to Earn APY*
Business Interest Checking0.010.01$10
Statement0.050.05$10 - $4,999.99
 0.100.10$5,000 or more
Business Money Market**0.050.05$10 - $2,499.99 (Variable Rate)
 0.100.10$2,500 or more (Variable Rate)
Xtreme Business Money Market**0.500.50$0 - $249,999.99 (Variable Rate)
 1.001.00$250,000.00 - $499,999.99 (Variable Rate)
 2.472.50$500,000.00 - $999,999.99 (Variable Rate)
 4.174.25$1,000,000.00 or more (Variable Rate)

$10 minimum balance to earn APY.

*Annual Percentage Yield
**You must deposit $2,500.00 to open this account

Please Note: Fees could reduce earnings on these accounts. Rates on variable rate accounts may change after the account is opened.