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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

Vibe Savings- Minimum Balance to Open: $5.00 Minimum Balance to Earn Dividends: $200.00

APY Dividend Rate
All .15% .15%

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 .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

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%

Kasasa Saver- NO Minimum Balance to Open or Earn Dividends; Account Requires accompanying Kasasa Checking account

APY Dividend Rate
$0-$100,000.00 1.35% 1.34%
$100,001.00 + 1.35%-0.80% .25%
Non-Qualifying .05% .05%

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 futher 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 2.02% 2.00%
$15,001 + .25% 2.02%-.48%
Non-Qualifying .05% .05%

Basic Cash - No Minimum Opening Balance; No Minimum Balance to Earn Dividends

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 2.00% 2.02%
$15,001 + .25% 2.00%-.48%
Non-Qualifying .05% .05%

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%

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

Promotional Certificate Accounts: $5,000 minimum balance required

APY Dividend Rate
18 Month Certificate 1.80% 1.79%
30 Month Certificate 2.20% 2.18%
42 Month Certificate 2.40% 2.38%
55 Month Certificate 2.90% 2.87%
65 Month Certificate 3.10% 3.07%

Certificate Accounts: $1,000 minimum balance required

APY Dividend Rate
12 Month Certificate 1.30% 1.29%
24 Month Certificate 1.60% 1.59%
36 Month Certificate 1.80% 1.79%
48 Month Certificate 2.00% 1.99%
60 Month Certificate 2.20% 2.18%
72 Month Certificate 1.00% 1.00%

Save To Win: Minimum Opening Balance: $25

APY Dividend Rate
All .75% .75%

Roth IRA: Minimum Opening Balance: $0

APY Dividend Rate
All 1.51% 1.50%

Roth IRA CD: Minimum Opening Balance: $1000

APY Dividend Rate
All 0.80% 0.80%

Traditional IRA CD: Minimum Opening Balance: $1000

APY Dividend Rate
All 0.80% 0.80%

Traditional IRA: Minimum Opening Balance: $0

APY Dividend Rate
All 1.51% 1.50%

Education IRA: 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.