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Interest Bearing Rates

These interest rates and annual percentage yields (APY) are effective as of July 22, 2021, and are subject to change.

Account Interest Rate APY¹ Interest Compounded
Savings 0.05% 0.05% Daily
Health Savings Account (HSA) 0.05% 0.05% Quarterly
Coverdell Education Variable 0.05% 0.05% Quarterly
IRA Variable Traditional/Roth 0.60% 0.60% Quarterly
IRA Fixed Traditional/Roth 18/30 Month 0.50% 0.50% Quarterly
IRA Fixed Traditional/Roth 36 Month 0.75% 0.75% Quarterly
IRA Fixed Traditional/Roth 60 Month 1.00% 1.00% Quarterly

Savings, Health Savings Account and the Variable accounts are all “Variable Rate Accounts”. The interest rate and APY may change after the account is opened.
 
Ask our personal bankers about our Moneybuilder Savings account for children.

Loyalty Checking

Range Amount Interest Rate APY*
$1,500 - $ 7,499.99 0.05% 0.05%
$7,500 - and above 0.05% 0.05%

Interest Checking

Range Amount Interest Rate APY*
$1,500 - $ 7,499.99 0.05% 0.05%
$7,500 - $49,999.99 0.05% 0.05%
$50,000 - $99,999.99  0.05% 0.05%
$100,000 - and above 0.05% 0.05%

HSA Checking

Range Amount Interest Rage APY*
$.01 and above 0.05% 0.05%

Commercial Checking

Range Amount Interest Rate APY*
$0 - $ 7,499.99 0.05% 0.05%
$7,500 - $49,999.99 0.05% 0.05%
$50,000 - $99,999.99 0.05% 0.05%
$100,000 - and above 0.05% 0.05%

IRMA - (Insured Rate Market Account)

Range Amount Interest Rate APY*
$1,500 - $ 7,499.99 0.05% 0.05%
$7,500 - $49,999.99 0.05% 0.05%
$50,000 - $99,999.99 0.05% 0.05%
$100,000 -and above         0.05% 0.05%

Loyalty, Interest Checking, HSA Checking, Commercial Checking and IRMA 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 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.