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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 0.10% 0.10%

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

APY Dividend Rate
All 0.10% 0.10%

Super Saver Club - Minimum Balance to Open: $5.00 Minimum Balance to Earn Dividends: $0.00

APY Dividend Rate
All 0.15% 0.15%

Christmas Club- Minimum Balance to Open: $5.00 Minimum Balance to Earn Dividends: $200.00

APY Dividend Rate
All 0.15% 0.15%

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 0.15% 0.15%
$5,000.00-$9,999.99 0.20% 0.20%
$10,000.00-$49,999.99 0.25% 0.25%
$50,000.00-$99,999.99 0.30% 0.30%
$100,000.00-$249,999.99 0.40% 0.40%
$250,000.00-$499,999.99 0.50% 0.50%
$500,000.00 + 0.55% 0.55%

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 0.75% 0.75%
$250,001.00 + 0.75%-0.61% 0.25%
Non-Qualifying 0.01% 0.01%

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

Vibe - Minimum Opening Balance: $0.00 Minimum Balance to Earn Dividends: $500.00

APY Dividend Rate
All .10% .10%

Basic Cash - Minimum Opening Balance: $0.00 Minimum Balance to Earn Dividends: $10,000.00

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%

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 .01% .01%

Focus - Minimum Opening Balance: $50.00 No Dividends Earned

APY Dividend Rate
All 0.00% 0.00%

Community - Minimum Opening Balance: $0.00 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 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

Learn2Save: Minimum Opening Balance & Balance to Earn Dividends: $250.00

APY Dividend Rate
Learn2Save 12 Month 0.55% 0.55%
Learn2Save 24 Month 0.70% 0.70%

Save To Win: Minimum Opening Balance: $25.00 Minimum Balance to Earn Dividends: $0.00

APY Dividend Rate
12 Month .75% .75%

$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 0.50% 0.50%
24 Month 0.65% 0.65%
36 Month 0.75% 0.75%
48 Month 0.85% 0.85%
60 Month 0.90% 0.90%
72 Month 0.90% 0.90%

Traditional IRA, Roth IRA & Coverdell ESA IRA Savings: Minimum Opening Balance & Balance to Earn Dividends: $0.00

APY Dividend Rate
$0.00-$9,999.99 0.50% 0.50%
$10,000.00-$49,999.99 0.75% 0.75%
$50,000.00-$199,999.99 1.00% 1.00%
$200,000.00-$499,999.99 1.25% 1.25%
$500,000.00 + 1.51% 1.50%

$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 0.53% 0.53%
24 Month 0.68% 0.68%
36 Month 0.80% 0.80%
48 Month 0.90% 0.90%
60 Month 0.95% 0.95%
72 Month 0.95% 0.95%

$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 0.55% 0.55%
24 Month 0.70% 0.70%
36 Month 0.85% 0.85%
48 Month 0.95% 0.95%
60 Month 1.00% 1.00%
72 Month 1.00% 1.00%

$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 0.60% 0.60%
24 Month 0.75% 0.75%
36 Month 0.90% 0.90%
48 Month 1.00% 1.00%
60 Month 1.05% 1.05%
72 Month 1.05% 1.05%

$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 0.63% 0.63%
24 Month 0.80% 0.80%
36 Month 0.95% 0.95%
48 Month 1.05% 1.05%
60 Month 1.10% 1.10%
72 Month 1.10% 1.10%

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.