Deposit Rates
Fair rates and terms to help you get ahead in life
Savings Rates | Checking Rates | HSA Rates | CD/IRA RatesSavings Rates
Kasasa Saver- NO Minimum Balance to Open or Earn Dividends; Account Requires accompanying Kasasa Checking account
| APY | Dividend Rate | |
|---|---|---|
| $0-$250,000.00 | 1.50% | 1.49% |
| $250,001.00 + | 1.50%-1.14% | .25% |
| Non-Qualifying | .05% | .05% |
Vibe Savings- Minimum Balance to Open: $5.00 Minimum Balance to Earn Dividends: $200.00
| APY | Dividend Rate | |
|---|---|---|
| All | .15% | .15% |
ELGA Elite
| APY | Dividend Rate | |
|---|---|---|
| $1,000-$4,999.99 | .15% | .15% |
| $5,000-$9,999.99 | .25% | .25% |
| $10,000-$49,999.99 | .35% | .35% |
| $50,000-$99,999.99 | .45% | .45% |
| $100,000-$249,999.99 | .55% | .55% |
| $250,000-$499,999.99 | .65% | .65% |
| $500,000 + | .70% | .70% |
Christmas Club- Minimum Balance to Open: $5.00 Minimum Balance to Earn Dividends: $200.00
| APY | Dividend Rate | |
|---|---|---|
| All | .15% | .15% |
Savings/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 Savings- Minimum Balance to Open: $5.00 NO Minimum Balance to Earn Dividends
| APY | Dividend Rate | |
|---|---|---|
| All | .15% | .15% |
High Five Savings- Minimum Balance to Open: $5.00 NO Minimum Balance to Earn Dividends
| APY | Dividend Rate | |
|---|---|---|
| All | .15% | .15% |
ELGA Elite requires minimum opening balance equal to lowest amount of that level (ex. $1,000-$4,999.99 minimum opening balance is $1000). Minimum balance to earn dividends 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, Kasasa Cash with Kasasa Saver accounts compounded and credited monthly. APY = Annual Percentage Yield.
For further details please see our Rate and Service Charges Disclosure.
Checking Rates
Kasasa Cash - No Minimum Opening Balance; No Minimum Balance to Earn Dividends
| APY | Dividend Rate | |
|---|---|---|
| $0-$15,000 | 3.04% | 3.00% |
| $15,001 + | 3.04%-0.61% | 0.25% |
| Non-Qualifying | .05% | .05% |
Basic Cash - No Minimum Opening Balance; Minimum Balance to Earn Dividends $10,000.00
| APY | Dividend Rate | |
|---|---|---|
| All | .10% | .10% |
Vibe Checking - No Minimum Opening Balance; Minimum Balance to Earn Dividends $500.00
| APY | Dividend Rate | |
|---|---|---|
| All | .10% | .10% |
Business Checking - No Minimum Opening Balance; Minimum Balance to Earn Dividends $10,000.00
| APY | Dividend Rate | |
|---|---|---|
| All | .10% | .10% |
Kasasa Cash Back - No Minimum Opening Balance; No Dividends Earned
| APY | Dividend Rate | |
|---|---|---|
| All | .00% | .00% |
Community/Non-Profit Checking - No Minimum Opening Balance; Minimum Balance to Earn Dividends $10,000.00
| APY | Dividend Rate | |
|---|---|---|
| All | .10% | .10% |
Kasasa Cash with Kasasa Saver - No Minimum Opening Balance; No Minimum Balance to Earn Dividends
| APY | Dividend Rate | |
|---|---|---|
| $0-$15,000 | 3.04% | 3.00% |
| $15,001 + | 3.04%-0.61% | 0.25% |
| Non-Qualifying | .05% | .05% |
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 futher details please see our Rate and Service Charges Disclosure.
HSA Rates
Health Savings Account
| APY | Dividend Rate | |
|---|---|---|
| $200-$999.99 | .75% | .75% |
| $1,000-$9,999.99 | 1.25% | 1.25% |
| $10,000 + | 1.50% | 1.51% |
$200 minimum balance to earn dividends. Dividends compounded and credited quarterly. APY = Annual Percentage Yield.
CD/IRA Rates
Education IRA Savings: Minimum Opening Balance: $0
| APY | Dividend Rate | |
|---|---|---|
| All | 1.51% | 1.50% |
Promotional Certificate and IRA Certificate Accounts: $25,000 minimum balance required
| APY | Dividend Rate | |
|---|---|---|
| 18 Month Certificate | 2.40% | 2.38% |
| 27 Month Certificate (Minimum of 50% new money required to open) | 3.01% | 2.98% |
| 30 Month Certificate | 2.75% | 2.72% |
| 42 Month Certificate | 2.80% | 2.77% |
| 55 Month Certificate | 3.10% | 3.06% |
| 65 Month Certificate | 3.25% | 3.21% |
Youth Certificate of Deposit: Minimum Opening Balance $250
| APY | Dividend Rate | |
|---|---|---|
| 12 Month Youth Certificate | 1.80% | 1.79% |
| 24 Month Youth Certificate | 2.15% | 2.13% |
Certificate Accounts: $1,000 minimum balance required
| APY | Dividend Rate | |
|---|---|---|
| 12 Month Certificate | 2.05% | 2.03% |
| 24 Month Certificate | 2.40% | 2.38% |
| 36 Month Certificate | 2.70% | 2.67% |
| 48 Month Certificate | 2.75% | 2.72% |
| 60 Month Certificate | 3.10% | 3.06% |
| 72 Month Certificate | 3.25% | 3.21% |
6 On The Bricks ($1,000 CD ONLY)
| APY | Dividend Rate | |
|---|---|---|
| 6 On The Bricks 12 Month Certificate (Must be opened at the Downtown Flint location & new money not currently on deposit) | 6.00% | 5.87% |
Traditional IRA & Roth IRA Certificate Accounts: $1,000 minimum balance required
| APY | Dividend Rate | |
|---|---|---|
| 12 Month IRA Certificate | 2.05% | 2.03% |
| 24 Month IRA Certificate | 2.40% | 2.38% |
| 36 Month IRA Certificate | 2.70% | 2.67% |
| 48 Month IRA Certificate | 2.75% | 2.72% |
| 60 Month IRA Certificate | 3.10% | 3.06% |
| 72 Month IRA Certificate | 3.25% | 3.21% |
Save To Win: Minimum Opening Balance: $25
| APY | Dividend Rate | |
|---|---|---|
| 12 Month Certificate | .75% | .75% |
Traditional IRA Savings: Minimum Opening Balance: $0
| APY | Dividend Rate | |
|---|---|---|
| All | 1.51% | 1.50% |
Roth IRA Savings: Minimum Opening Balance: $0
| APY | Dividend Rate | |
|---|---|---|
| All | 1.51% | 1.50% |
Minimum balance to earn dividends matches minimum opening balance except Save To Win where minimum balance to earn dividends is not applicable. Dividends compounded and credited quarterly. APY = Annual Percentage Yield. For further details please see our Rate and Service Charges Disclosure.
