Certificates of Deposit

Certificates Minimum To Open Interest Rate Annual Percentage Yield*
3 mo. $1,000 0.25% 0.25%
6 mo. $1,000 0.50% 0.50%
7 mo. $1,000 0.75% 0.75%
12 mo. $1,000 0.75% 0.75%
18 mo. $1,000 0.75% 0.75%
24 mo. $1,000 1.00% 1.00%
36 mo. $1,000 1.25% 1.26%
48 mo. $1,000 1.25% 1.26%
60 mo. $1,000 1.25% 1.26%
6 mo. IRA $500 0.50% 0.50%
12 mo. IRA $500 0.75% 0.75%
18 mo. IRA $500 0.75% 0.75%
24 mo. IRA $500 1.00% 1.00%
36 mo. IRA $500 1.25% 1.26%
48 mo. IRA $500 1.25% 1.26%
60 mo. Roth IRA $500 1.25% 1.26%
Educational IRA $500 1.25% 1.26%
*APY = Annual Percentage Yield. Certificate account rates are subject to change weekly; but once a certificate is issued, the rate will remain in effect for the term of the certificate. Penalties may apply for early withdrawals. Minimum to earn APY is $10.

Consumer Accounts

Holiday Savings Accounts

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $10 0.05% 0.05%
$10,000.01 – $25,000 $10,000.01 0.05% 0.05%
$25,000.01 – $50,000 $25,000.01 0.05% 0.05%
$50,000.01 – $100,000 $50,000.01 0.05% 0.05%
$100,000.01 – $250,000 $100,000.01 0.05% 0.05%
Balances > $250,000 $250,000.01 0.05% 0.05%
*APY = Annual Percentage Yield. Minimum to open is $10.

Kasasa Cash Checking

Minimum to Earn APY* Interest Rate Annual Percentage Yield
.01 – $20,000 None 0.74% 0.75%
$20,000.01 and over $20,000.01 0.10% 0.21% – 0.75%
Non-Qualifying Accounts None 0.05% 0.05%
*APY = Annual Percentage Yield. Minimum to open is $10. Click here for details.

Interest & 18/65 Checking Accounts

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $10 0.05% 0.05%
$10,000.01 – $25,000 $10,000.01 0.05% 0.05%
$25,000.01 – $50,000 $25,000.01 0.05% 0.05%
$50,000.01 – $100,000 $50,000.01 0.05% 0.05%
$100,000.01 – $250,000 $100,000.01 0.05% 0.05%
Balances > $250,000 $250,000.01 0.05% 0.05%
*APY = Annual Percentage Yield. Minimum to open is $10.

Kasasa Saver (must be linked to a Kasasa Checking Account)

Minimum to Earn APY* Interest Rate Annual Percentage Yield
.01 – $50,000 None 0.49% 0.50%
$50,000.01 and over $50,000.01 0.10% 0.23% – 0.50%
Non-Qualifying Accounts None 0.05% 0.05%
*APY = Annual Percentage Yield. Minimum to open is $10. Click here for details.

Advantage Savings, 18/65 Advantage Savings, Hybrid Savings & 18/65 Hybrid Savings Accounts

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $10 0.05% 0.05%
$10,000.01 – $25,000 $10,000.01 0.05% 0.05% – 0.05%
$25,000.01 – $50,000 $25,000.01 0.05% 0.05% – 0.05%
$50,000.01 – $100,000 $50,000.01 0.10% 0.05% – 0.08%
$100,000.01 – $250,000 $100,000.01 0.15% 0.08% – 0.12%
Balances > $250,000 $250,000.01 0.15% 0.12% – 0.15%
*APY = Annual Percentage Yield. Minimum to open is $10.

Money Market & Money Market IRA Accounts

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $10 0.05% 0.05%
$10,000.01 – $25,000 $10,000.01 0.05% 0.05% – 0.05%
$25,000.01 – $50,000 $25,000.01 0.10% 0.05% – 0.08%
$50,000.01 – $100,000 $50,000.01 0.15% 0.08% – 0.11%
$100,000.01 – $250,000 $100,000.01 0.15% 0.11% – 0.14%
$250,000.01 – $500,000 $250,000.01 0.20% 0.14% – 0.17%
$500,000.01 – $1,000,000 $500,000.01 0.20% 0.17% – 0.18%
Balances > $1,000,000 $1,000,000.01 0.25% 0.18% – 0.25%
*APY = Annual Percentage Yield. Minimum to open is $10.
  1. On all accounts – fees could reduce earnings.
  2. With variable rate, money market accounts, and statement savings – rates may change after the account is opened.
  3. On all Kasasa Accounts – Account approval, qualifications, limits, and other requirements apply. Click here for details.

Business Accounts

Business Advantage Checking Account

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $10 0.00% 0.00%
$10,000.01 – $25,000 $10,000.01 0.05% 0.00% – 0.03%
$25,000.01 – $50,000 $25,000.01 0.05% 0.03% – 0.04%
$50,000.01 – $100,000 $50,000.01 0.05% 0.04% – 0.05%
$100,000.01 – $250,000 $100,000.01 0.10% 0.05% – 0.08%
Balances > $250,000 $250,000.01 0.15% 0.08% – 0.15%
*APY = Annual Percentage Yield. Minimum to open is $10.

Business Advantage Savings Account

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $10 0.05% 0.05%
$10,000.01 – $25,000 $10,000.01 0.05% 0.05% – 0.05%
$25,000.01 – $50,000 $25,000.01 0.05% 0.05% – 0.05%
$50,000.01 – $100,000 $50,000.01 0.10% 0.05% – 0.08%
$100,000.01 – $250,000 $100,000.01 0.15% 0.08% – 0.12%
Balances > $250,000 $250,000.01 0.15% 0.12% – 0.15%
*APY = Annual Percentage Yield. Minimum to open is $10.

Business Money Market Account

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $10 0.05% 0.05%
$10,000.01 – $25,000 $10,000.01 0.05% 0.05% – 0.05%
$25,000.01 – $50,000 $25,000.01 0.10% 0.05% – 0.08%
$50,000.01 – $100,000 $50,000.01 0.10% 0.08% – 0.09%
$100,000.01 – $250,000 $100,000.01 0.15% 0.09% – 0.13%
$250,000.01 – $500,000 $250,000.01 0.15% 0.13% – 0.14%
$500,000.01 – $1,000,000 $500,000.01 0.20% 0.14% – 0.17%
Balances > $1,000,000 $1,000,000.01 0.20% 0.17% – 0.20%
*APY = Annual Percentage Yield. Minimum to open is $10.

IOLTA Account

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$10 1.31% 1.32%
*APY = Annual Percentage Yield. Minimum to open is $10.
  1. On all accounts – fees could reduce earnings.
  2. With variable rate, money market accounts, and statement savings – rates may change after the account is opened.

Effective date: March 12, 2020