Checking, savings, money market, & health savings account rates

Rates current as of November 1, 2023.
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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