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Deposit Rates

Fair rates and terms to help you get ahead in life

Savings Rates | Checking Rates | HSA Rates | CD/IRA Rates

Savings 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.