FDIC-Insured—Backed by the full faith and credit of the U.S. Government.Personal Account Rates
Rates effective as of 11/18/2024 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
| 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 | $100,000.01 & 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
| 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
| Min to Open | Balance | Interest Rate | APY3 |
| $10.00 | $0.01 - $1,000.00 | 5.00% | 0.00% - 5.12% |
| $10.00 | $1,000.01 & Above | 0.50% | 0.50% - 5.01% |
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 0.00% to 5.12%. The portion of your daily blance that ranges from $1,000.01 and above, the interest rate on your account will be 0.50% and an APY of 0.50% - 5.01%.
Premier Savings
| 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 | 3.75% | 3.82% |
| $50.00 | $100,000.01 & Above | 4.35% | 4.44% |
4APY is based and calculated on the entire daily balance of the account.
Health Savings Account (HSA)
| 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.