Strand of lights.

Interest Bearing Rates

These interest rates and annual percentage yields (APY) are effective as of April 18, 2024, and are subject to change.

Account Interest Rate APY¹ Interest Compounded
Savings 0.50% 0.50% Daily
Coverdell Education Variable 0.50% 0.50% Quarterly
IRA Variable Traditional/Roth 3.00% 3.03% Quarterly
IRA Fixed Traditional/Roth 36 Month 3.10% 3.14% Quarterly

Moneybuilder Savings

Range Amount
Interest Rate
APY1
Interest Compounded
$0.01 - $7,500.00 0.95% 1.00% Daily
$7,500.01 - and above 0.95% 1.00% Daily

Moneybuilder + Savings

Range Amount Interest Rate APY1 Interest Compounded
$0.01 - $7,500.00 3.92% 4.00% Daily
$7,500.01 - and above 0.95% 1.00% Daily

Savings, Coverdell Education Variable and IRA Variable Traditional/Roth are all “Variable Rate Accounts”. The interest rate and APY may change after the account is opened.
Savings account requires a minimum opening deposit of $100. You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed APY. 
Health Savings account requires a minimum opening deposit of $0.00. You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed APY.
IRA Variable Traditional/Roth requires a minimum opening deposit of $0.00. You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed APY.
Moneybuilder Savings account requires a minimum opening deposit of $0.00. You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed APY. Must be 17 years of age or younger to qualify.
Moneybuilder + Savings account requires a minimum opening deposit of $0.00. You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed APY. At age 15 your account will convert to a Moneybuilder Savings account.
Accounts may be subject to fees that may reduce earnings.
 
Ask our personal bankers about our Moneybuilder Savings accounts for children.

Loyalty Checking

Range Amount Interest Rate APY*
$1,500 - $ 7,499.99 0.50% 0.50%
$7,500 - and above 0.75% 0.75%

Interest Checking

Range Amount Interest Rate APY*
$1,500 - $ 7,499.99 0.15% 0.15%
$7,500 - $49,999.99 0.15% 0.15%
$50,000 - $99,999.99  0.25% 0.25%
$100,000 - and above 0.25% 0.25%

HSA Checking

Range Amount Interest Rage APY*
$.01 and above 0.50% 0.50%

Commercial Checking

Range Amount Interest Rate APY*
$0 - $ 7,499.99 0.35% 0.35%
$7,500 - $49,999.99 0.45% 0.45%
$50,000 - $99,999.99 0.55% 0.55%
$100,000 - and above 0.65% 0.65%

IRMA - (Insured Rate Market Account)

Range Amount Interest Rate APY*
$1,500 - $ 7,499.99 0.15% 0.15%
$7,500 - $49,999.99 0.15% 0.15%
$50,000 - $99,999.99 0.25% 0.25%
$100,000 -and above         0.25% 0.25%

Money Market Savings

Range Amount Interest Rate APY*
$25,000 - $99,999.99 1.75% 1.76%
$100,000 - $249,999.99 2.25% 2.27%
$250,000 - and above 3.00% 3.03%
 
Loyalty, Interest Checking, HSA Checking, Commercial Checking, IRMA and Money Market Savings accounts are “Variable Rate Accounts”. The interest rate and APY may change after the account is opened. The interest on these accounts is compounded daily. The Loyalty, Interest Checking, HSA Checking, Commercial Checking, IRMA, Money Market Savings and Savings accounts may be subject to fees that will reduce earnings.
 

For current interest rate and annual percentage yield information, call 641-456-4793 or toll free 888-456-4793.