Deposit Rates

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Rates effective 02/14/2026

Rates Subject to Change Without Notice

Certificates of Deposit Specials

TermInterest RateAPY*Minimum Balance to Open
7 Month CD13.74%3.80%$500
10 Month CD23.64%3.70%$500
17 Month CD33.20%3.25%$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.

* APY = Annual Percentage Yield

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

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

3 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 CD0.15%0.15%$500
6 Month CD0.25%0.25%$500
9 Month CD1.00%1.00%$500
13 Month CD11.00%1.00%$500
15 Month CD11.00%1.00%$500
1 Year CD0.40%0.40%$500
18 Month CD0.50%0.50%$500
2 Year CD0.50%0.50%$500
3 Year CD0.50%0.50%$500
5 Year CD0.50%0.50%$500
Save$um CD0.50%0.50%$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 IRA0.25%0.25%$500
9 Month IRA1.00%1.00%$500
1 Year IRA0.40%0.40%$500
13 Month IRA11.00%1.00%$500
15 Month IRA11.00%1.00%$500
18 Month IRA0.50%0.50%$500
2 Year IRA0.50%0.50%$500
3 Year IRA0.50%0.50%$500
5 Year IRA0.50%0.50%$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 Savings0.01%0.01%$10
Club Savings0.01%0.01%$10
IRA Statement Savings0.01%0.01%$10
Solutions Money Market**(Tier 1)0.75%0.75%$10 - $99,999.99 (Variable Rate)
Solutions Money Market**(Tier 2)1.50%1.50%$100,000 or more (Variable Rate)
Xtreme Money Market**(Tier 1)0.05%0.05%$10 - $2,499.99 (Variable Rate)
Xtreme Money Market**(Tier 2)0.50%0.50%$2,500 - $49,999.99 (Variable Rate)
Xtreme Money Market**(Tier 3)1.00%1.00%$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 Checking0.02%0.02%$10
Fabulous 50 Free Interest Checking0.02%0.02%$10
Premium Interest Checking0.01%0.01%$10 - $2,499.99
 0.05%0.05%$2,500 or more
18/65 Checking0.01%0.01%$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 Checking0.01%0.01%$10
Statement0.05%0.05%$10 - $4,999.99
 0.10%0.10%$5,000 or more
Business Money Market**0.05%0.05%$10 - $2,499.99 (Variable Rate)
 0.10%0.10%$2,500 or more (Variable Rate)
Xtreme Business Money Market**0.50%0.50%$0 - $249,999.99 (Variable Rate)
 1.00%1.00%$250,000.00 - $499,999.99 (Variable Rate)
 2.47%2.50%$500,000.00 - $999,999.99 (Variable Rate)
 4.17%4.25%$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.