These interest rates and annual percentage yields (APY) are effective as of January 16, 2026, and are subject to change.
| Account | Interest Rate | APY¹ | Interest Compounded |
|---|---|---|---|
| Savings | 0.30% | 0.30% | Daily |
| Coverdell Education Variable | 0.50% | 0.50% | Quarterly |
| IRA Variable Traditional/Roth | 3.00% | 3.03% | Quarterly |
| IRA Fixed Traditional/Roth 36 Month | 2.50% | 2.52% | Quarterly |
Moneybuilder Savings
|
|
|
|
|
|---|---|---|---|
| $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 |
1Savings, 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.
1Savings 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.
1Savings 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.
1IRA 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.
1Moneybuilder 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 15-17 years of age to qualify. At age 18 your account will change to a Regular Savings account.
1Moneybuilder + 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 14 years of age or younger to qualify. At age 15 your account will convert to a Moneybuilder Savings account. At age 18 your account will change to a Regular Savings account.
1Accounts 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 | 0.15% | 0.15% |
| $7,500 - and above | 0.30% | 0.30% |
HSA Checking
| Range Amount | Interest Rate | APY* |
|---|---|---|
| $.01 and above | 2.25% | 2.28% |
Business Checking
| Range Amount | Interest Rate | APY* |
|---|---|---|
| $0 - $ 7,499.99 | 0.05% | 0.05% |
| $7,500 - $49,999.99 | 0.15% | 0.15% |
| $50,000 - $99,999.99 | 0.25% | 0.25% |
| $100,000 - and above | 0.35% | 0.35% |
IRMA - (Insured Rate Market Account)
| Range Amount | Interest Rate | APY* |
|---|---|---|
| $1,500 - $ 7,499.99 | 0.03% | 0.03% |
| $7,500 - $49,999.99 | 0.03% | 0.03% |
| $50,000 - $99,999.99 | 0.03% | 0.03% |
| $100,000 -and above | 0.03% | 0.03% |
Money Market Savings
| Range Amount | Interest Rate | APY* |
|---|---|---|
| $25,000 - $99,999.99 | 1.70% | 1.71% |
| $100,000 - $249,999.99 | 2.05% | 2.07% |
| $250,000 - and above | 2.40% | 2.43% |
*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.
*Loyalty, Interest Checking, HSA Checking, Business 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, Business 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.