Deposit Rates
Fair rates and terms to help you get ahead in life
Savings Rates | Checking Rates | HSA Rates | CD/IRA RatesSavings Rates
Membership Share- Minimum Balance to Open: $5.00 Minimum Balance to Earn Dividends: $200.00
| APY | Dividend Rate | |
|---|---|---|
| All Consumer and Business | .15% | .15% |
ELGAsaurus - Minimum Balance to Open: $5.00 Minimum Balance to Earn Dividends: $0.00
| APY | Dividend Rate | |
|---|---|---|
| All | .15% | .15% |
High Five - Minimum Balance to Open: $5.00 Minimum Balance to Earn Dividends: $0.00
| APY | Dividend Rate | |
|---|---|---|
| All | .15% | .15% |
Vibe - Minimum Balance to Open: $5.00 Minimum Balance to Earn Dividends: $200.00
| APY | Dividend Rate | |
|---|---|---|
| All | .15% | .15% |
ELGA Elite - Balances below $1,000.00 will earn Regular Savings Rate Minimum Balance to Earn Dividends: $200.00
| APY | Dividend Rate | |
|---|---|---|
| $1,000.00-$4,999.99 | .15% | .15% |
| $5,000.00-$9,999.99 | .25% | .25% |
| $10,000.00-$49,999.99 | .35% | .35% |
| $50,000.00-$99,999.99 | .45% | .45% |
| $100,000.00-$249,999.99 | .55% | .55% |
| $250,000.00-$499,999.99 | .65% | .65% |
| $500,000.00 + | .70% | .70% |
Kasasa Saver- $0.00 Minimum Balance to Open or Earn Dividends; Account Requires accompanying Kasasa Checking account
| APY | Dividend Rate | |
|---|---|---|
| $0.00-$250,000.00 | 1.50% | 1.49% |
| $250,001.00 + | 1.50%-1.14% | .25% |
| Non-Qualifying | .05% | .05% |
Christmas Club- Minimum Balance to Open: $5.00 Minimum Balance to Earn Dividends: $200.00
| APY | Dividend Rate | |
|---|---|---|
| All | .15% | .15% |
ELGA Elite requires minimum opening balance equal to lowest amount of each tier level (ex. $1,000-$4,999.99 minimum opening balance is $1000). Minimum balance to earn dividends is the same as minimum opening balance on all ELGA Elite accounts. Balances below $1000 on ELGA Elite will earn regular savings rate unless under $200 then will not earn interest. All dividends compounded and credited quarterly except Kasasa Saver & Kasasa Cash accounts compounded and credited monthly. APY = Annual Percentage Yield.
For further details please see our Rate and Service Charges Disclosure.
Checking Rates
Basic Cash - Minimum Opening Balance: $0.00 Minimum Balance to Earn Dividends: $10,000.00
| APY | Dividend Rate | |
|---|---|---|
| All | .10% | .10% |
Vibe - Minimum Opening Balance: $0.00 Minimum Balance to Earn Dividends: $500.00
| APY | Dividend Rate | |
|---|---|---|
| All | .10% | .10% |
Business - Minimum Opening Balance: $0.00 Minimum Balance to Earn Dividends: $10,000.00
| APY | Dividend Rate | |
|---|---|---|
| All | .10% | .10% |
Community - Minimum Opening Balance: $0.00 Minimum Balance to Earn Dividends: $10,000.00
| APY | Dividend Rate | |
|---|---|---|
| All | .10% | .10% |
Kasasa Cash Back - Minimum Opening Balance: $0.00 No Dividends Earned
| APY | Dividend Rate | |
|---|---|---|
| All | .00% | .00% |
Kasasa Cash - Minimum Opening Balance: $0.00 Minimum Balance to Earn Dividends: $0.00
| APY | Dividend Rate | |
|---|---|---|
| $0.00-$15,000.00 | 3.04% | 3.00% |
| $15,001.00 + | 3.04%-0.61% | 0.25% |
| Non-Qualifying | .05% | .05% |
Focus - Minimum Opening Balance: $50.00 No Dividends Earned
| APY | Dividend Rate | |
|---|---|---|
| All | 0.00% | 0.00% |
Dividends compounded and credited quarterly except Kasasa Cash and Kasasa Cash with Kasasa Saver dividends are compounded and credited monthly. APY = Annual Percentage Yield.
For further details please see our Rate and Service Charges Disclosure.
HSA Rates
Health Savings Account - Minimum Opening Balance: $0.00 Minimum Balance to Earn Dividends: $200.00
| APY | Dividend Rate | |
|---|---|---|
| $200.00-$999.99 | .75% | .75% |
| $1,000-$9,999.99 | 1.25% | 1.25% |
| $10,000 + | 1.51% | 1.50% |
Dividends compounded and credited quarterly. APY = Annual Percentage Yield.
CD/IRA Rates
Roth IRA Savings: Minimum Opening Balance & Balance to Earn Dividends: $0.00
| APY | Dividend Rate | |
|---|---|---|
| All | 1.51% | 1.50% |
Traditional IRA Savings: Minimum Opening Balance & Balance to Earn Dividends: $0.00
| APY | Dividend Rate | |
|---|---|---|
| All | 1.51% | 1.50% |
Coverdell ESA IRA Savings: Minimum Opening Balance & Balance to Earn Dividends: $0.00
| APY | Dividend Rate | |
|---|---|---|
| All | 1.51% | 1.50% |
Save To Win: Minimum Opening Balance: $25.00 Minimum Balance to Earn Dividends: $0.00
| APY | Dividend Rate | |
|---|---|---|
| 12 Month | .75% | .75% |
Learn2Save: Minimum Opening Balance & Balance to Earn Dividends: $250.00
| APY | Dividend Rate | |
|---|---|---|
| Learn2Save 12 Month | 1.80% | 1.79% |
| Learn2Save 24 Month | 2.15% | 2.13% |
Promotional CD and IRA CD Accounts (Tiered): Minimum Opening Balance & Balance to Earn Dividends: $1,000.00
| APY | Dividend Rate | |
|---|---|---|
| 15 month $1,000 - $29,999.99 | 2.30% | 2.28% |
| 15 Month $30,000.00 - $99,999.99 | 2.40% | 2.38% |
| 15 Month $100,000.00 - $249,999.99 | 2.50% | 2.48% |
| 15 Month $250,000.00 - $499,999.99 | 2.55% | 2.53% |
| 15 Month $500,000.00 and over | 2.61% | 2.58% |
$1,000.00 - $29,999.99 Tier: Regular CD / Traditional IRA CD & Roth IRA CD Accounts: Minimum Opening Balance & Balance to Earn Dividends: $1,000.00
| APY | Dividend Rate | |
|---|---|---|
| 12 Month | 2.05% | 2.03% |
| 24 Month | 2.25% | 2.23% |
| 36 Month | 2.40% | 2.38% |
| 48 Month | 2.55% | 2.53% |
| 60 Month | 2.70% | 2.67% |
| 72 Month | 2.75% | 2.72% |
$30,000.00 - 99,999.99 Tier: Regular CD / Traditional IRA CD & Roth IRA CD Accounts: Minimum Opening Balance & Balance to Earn Dividends: $1,000.00
| APY | Dividend Rate | |
|---|---|---|
| 12 Month | 2.10% | 2.08% |
| 24 Month | 2.30% | 2.28% |
| 36 Month | 2.50% | 2.48% |
| 48 Month | 2.65% | 2.62% |
| 60 Month | 2.80% | 2.77% |
| 72 Month | 2.85% | 2.82% |
$100,000.00 - $249,999.99 Tier: Regular CD / Traditional IRA CD & Roth IRA CD Accounts: Minimum Opening Balance & Balance to Earn Dividends: $1,000.00
| APY | Dividend Rate | |
|---|---|---|
| 12 Month | 2.30% | 2.28% |
| 24 Month | 2.40% | 2.38% |
| 36 Month | 2.61% | 2.58% |
| 48 Month | 2.75% | 2.72% |
| 60 Month | 3.00% | 2.97% |
| 72 Month | 3.05% | 3.02% |
$250,000.00 - $499,999.99 Tier: Regular CD / Traditional IRA CD & Roth IRA CD Accounts: Minimum Opening Balance & Balance to Earn Dividends: $1,000.00
| APY | Dividend Rate | |
|---|---|---|
| 12 Month | 2.40% | 2.38% |
| 24 Month | 2.50% | 2.48% |
| 36 Month | 2.70% | 2.67% |
| 48 Month | 2.85% | 2.82% |
| 60 Month | 3.10% | 3.07% |
| 72 Month | 3.15% | 3.11% |
$500,000.00 Tier: Regular CD / Traditional IRA CD & Roth IRA CD Accounts: Minimum Opening Balance & Balance to Earn Dividends: $1,000.00
| APY | Dividend Rate | |
|---|---|---|
| 12 Month | 2.45% | 2.43% |
| 24 Month | 2.61% | 2.58% |
| 36 Month | 2.80% | 2.77% |
| 48 Month | 2.95% | 2.92% |
| 60 Month | 3.15% | 3.11% |
| 72 Month | 3.20% | 3.16% |
Minimum balance to earn dividends matches minimum opening balance except Save To Win where minimum balance to earn dividends is $0.00. Dividends compounded and credited quarterly. APY = Annual Percentage Yield. For further details please see our Rate and Service Charges Disclosure.
