Skip to main content

Deposit Rates

Fair rates and terms to help you get ahead in life

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

Savings 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.