Rates current as of May 1, 2025.
Variable interest rates are subject to change at any time according to market conditions and management discretion.
| Checking Accounts |
| Account |
Minimum Opening Deposit |
Balance Required to Earn Interest |
Annual Percentage Yield (APY) |
Variable Interest Rate |
| Simply Better Checking |
$50.00 |
N/A |
N/A |
N/A |
| Direct Interest Checking |
$50.00 |
$0.00
|
0.05%
|
0.05% |
| 50+ Interest Checking |
$50.00 |
$0.00
|
0.05%
|
0.05% |
Preferred Interest Checking
|
$50.00
$50.00
|
$0 - $1,499.99
$1,500 + |
0.05%
0.10%
|
0.05%
0.10%
|
Fees may reduce earnings.
| Savings Account |
| Balance Required to Earn Interest |
Annual Percentage Yield (APY) |
Variable Interest Rate |
| $0 - $2,499.99 |
0.40% |
0.40% |
| $2,500 - $9,999.99 |
0.40% |
0.40% |
| $10,000 - $19,999.99 |
0.45% |
0.45% |
| $20,000 - $5,000,000.00 |
0.45% |
0.45% |
No minimum balance requirement. Interest is earned on average monthly balance. Fees may reduce earnings. A non-interest savings account option is also available. If the combined balance of a deposit relationship in savings or money market accounts exceeds $5,000,000.00, balances exceeding $5,000,000.00 will be transferred to an interest bearing checking account.
| Money Market Account |
| Balance Required to Earn Interest |
Annual Percentage Yield (APY) |
Variable Interest Rate |
| $0 - $4,999.99 |
N/A |
N/A |
| $5,000 - $19,999.99 |
1.45% |
1.45% |
| $20,000 - $49,999.99 |
1.60% |
1.60% |
| $50,000 - $99,999.99 |
1.80% |
1.80% |
| $100,000 - $5,000,000.00 |
2.00% |
2.00% |
No minimum balance requirement. Interest is earned on average monthly balances of $5,000 and higher. Fees may reduce earnings. If the combined balance of a deposit relationship in savings or money market accounts exceeds $5,000,000.00, balances exceeding $5,000,000.00 will be transferred to an interest bearing checking account.
| Health Savings Account (HSA) |
| Balance Required to Earn Interest |
Annual Percentage Yield (APY) |
Variable Interest Rate |
| $0 - $4,999.99 |
0.01% |
0.01% |
| $5,000 - $19,999.99 |
1.45% |
1.45% |
| $20,000 - $49,999.99 |
1.60% |
1.60% |
| $50,000 - $99,999.99 |
1.80% |
1.80% |
| $100,000 - $5,000,000.00 |
2.00% |
2.00% |
No minimum balance requirement . Interest is earned on average monthly balance. Fees may reduce earnings.
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