Certificates of Deposit

Consumer and Business

Certificates Minimum to Open Interest Rate Annual Percentage Yield*
3 mo. $1,000 0.15% 0.15%
6 mo. $1,000 0.20% 0.20%
7 mo. Special $1,000 2.00% 2.02%
9 mo. Special $1,000 2.50% 2.53%
11 mo. Special $1,000 3.50% 3.56%
12 mo. $1,000 1.00% 1.00%
13 mo. Special $1,000 3.75% 3.82%
15 mo. Special $1,000 4.00% 4.07%
18 mo. $1,000 0.35% 0.35%
24 mo. $1,000 0.40% 0.40%
25 mo. Special $1,000 2.50% 2.53%
35 mo. Special $1,000 3.00% 3.04%
36 mo. $1,000 0.45% 0.45%
48 mo. $1,000 0.50% 0.50%
60 mo. $1,000 0.60% 0.60%
6 mo. IRA $1000 0.20% 0.20%
7 mo. IRA Special $1000 2.00% 2.02%
9 mo. IRA Special  $1000 2.50% 2.53%
11 mo. IRA Special  $1000 3.50% 3.56%
12 mo. IRA  $1000 1.00% 1.00%
13 mo. IRA Special  $1000 3.75% 3.82%
15 mo. IRA Special  $1000 4.00% 4.07%
18 mo. IRA  $1000 0.35% 0.35%
24 mo. IRA  $1000 0.40% 0.40%
25 mo. IRA Special  $1000 2.50% 2.53%
35 mo. IRA Special  $1000 3.00% 3.04%
36 mo. IRA  $1000 0.45% 0.45%
48 mo. IRA  $1000 0.50% 0.50%
60 mo. IRA  $1000 0.60% 0.60%
*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 $0.01 0.699% 0.70%
$20,000.01 and over $20,000.01 0.20% 0.28% – 0.70%
Non-Qualifying Accounts $0.01 0.15% 0.15%
*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 0.15% 0.15%
$10,000.01 – $25,000 $10,000.01 0.15% 0.15%
$25,000.01 – $50,000 $25,000.01 0.15% 0.15%
$50,000.01 – $100,000 $50,000.01 0.15% 0.15%
$100,000.01 – $250,000 $100,000.01 0.15% 0.15%
Balances > $250,000 $250,000.01 0.15% 0.15%
*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 $0.01 0.35% 0.35%
$50,000.01 and over $50,000.01 0.20% 0.25% – 0.35%
Non-Qualifying Accounts $0.01 0.15% 0.15%
*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 0.15% 0.15%
$10,000.01 – $25,000 $10,000.01 0.15% 0.15% – 0.15%
$25,000.01 – $50,000 $25,000.01 0.20% 0.15% – 0.18%
$50,000.01 – $100,000 $50,000.01 0.20% 0.18% – 0.19%
$100,000.01 – $250,000 $100,000.01 0.30% 0.19% – 0.26%
Balances > $250,000 $250,000.01 0.30% 0.26% – 0.30%
*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 0.35% 0.35%
$10,000.01 – $25,000 $10,000.01 0.35% 0.35% – 0.35%
$25,000.01 – $50,000 $25,000.01 0.40% 0.35% – 0.38%
$50,000.01 – $100,000 $50,000.01 0.40% 0.38% – 0.39%
$100,000.01 – $250,000 $100,000.01 0.50% 0.39% – 0.46%
$250,000.01 – $500,000 $250,000.01 0.50% 0.46% – 0.48%
$500,000.01 – $1,000,000 $500,000.01 0.50% 0.48% – 0.49%
Balances > $1,000,000 $1,000,000.01 0.50% 0.49% – 0.50%
*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 0.15% 0.00% – 0.09%
$25,000.01 – $50,000 $25,000.01 0.15% 0.09% – 0.12%
$50,000.01 – $100,000 $50,000.01 0.15% 0.12% – 0.14%
$100,000.01 – $250,000 $100,000.01 0.25% 0.14% – 0.20%
Balances > $250,000 $250,000.01 0.25% 0.20% – 0.25%
*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 0.15% 0.15%
$10,000.01 – $25,000 $10,000.01 0.15% 0.15% – 0.15%
$25,000.01 – $50,000 $25,000.01 0.20% 0.15% – 0.18%
$50,000.01 – $100,000 $50,000.01 0.20% 0.18% – 0.19%
$100,000.01 – $250,000 $100,000.01 0.30% 0.19% – 0.26%
Balances > $250,000 $250,000.01 0.30% 0.26% – 0.30%
*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 0.35% 0.35%
$10,000.01 – $25,000 $10,000.01 0.35% 0.35% – 0.35%
$25,000.01 – $50,000 $25,000.01 0.40% 0.35% – 0.38%
$50,000.01 – $100,000 $50,000.01 0.40% 0.38% – 0.39%
$100,000.01 – $250,000 $100,000.01 0.50% 0.39% – 0.46%
$250,000.01 – $500,000 $250,000.01 0.50% 0.46% – 0.48%
$500,000.01 – $1,000,000 $500,000.01 0.50% 0.48% – 0.49%
Balances > $1,000,000 $1,000,000.01 0.50% 0.49% – 0.50%
*APY = Annual Percentage Yield. Minimum to open is $10.

IOLTA Account

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$10 1.00% 1.00%
*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: December 14, 2022