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Personal Account Rates

Rates effective as of 10/1/2024 and subject to change without notice.

Annual Percentage Yield. Fees could reduce earnings on transaction accounts. Minimum to earn interest on transaction accounts is $0.01.

Personal Checking Account Rates

Lifetime Checking

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Min to Open Balance Interest Rate APY1 Range
$50.00 $0.01 - $25,000.00 5.00% 5.12% - 5.12%
$50.00 $25,000.01 - $100,000.00 0.50% 1.65% - 5.12%
$50.00 $100,000.00 & Above 0.50% 0.51% - 1.65%

15.12% APY for qualified customers only on balances up to $25,000.00. All of the following account activities must be met each statement cycle to qualify: have 16 point-of-sale debit card transactions post and settle to account, receive E-Statements, and log-in to online banking. APY is calculated daily on balances in each respective tier. If qualifications are unmet the APY is 0.50% on the entire balance.

Student Checking

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Min to Open Balance Interest Rate APY2 Range
$50.00 $0.01 & Above 0.50% 0.50%

2APY is based and calculated on the entire daily balance of the account.

Personal Savings Account Rates

Youth Savings

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Min to Open Balance Interest Rate APY3
$10.00 $0.01 - $1,000.00 5.00% 5.12%
$10.00 $1,000.01 & Above 0.50% 0.50%

3The portion of your daily balance that ranges from $0.01 - $1,000.00, the interest rate on your account will be 5.00% and an APY of 5.12%. The portion of your daily balance that ranges from $1,000.01 and above, the interest rate on your account will be 0.50% and an APY of 0.50%.

Premier Savings

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Min to Open Balance Interest Rate APY4
$50.00 $0.01 - $10,000.00 2.25% 2.27%
$50.00 $10,000.01 - $25,000.00 3.25% 3.30%
$50.00 $25,000.01 - $100,000.00 4.25% 4.33%
$50.00 $100,000.01 & Above 4.75% 4.85%

4APY is based and calculated on the entire daily balance of the account.

Health Savings Account (HSA)

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Min to Open Balance Interest Rate APY4
$50.00 $0.01 - $10,000.00 1.00% 1.00%
$50.00 $10,000.01 - $50,000.00 2.00% 2.02%
$50.00 $50,000.01 & Above 2.50% 2.53%

4APY is based and calculated on the entire daily balance of the account.