These interest rates and annual percentage yields (APY) are effective as of June 5, 2025, and are subject to change.
| Account | Interest Rate | APY¹ | Interest Compounded |
|---|---|---|---|
| Savings | 0.35% | 0.35% | Daily |
| Coverdell Education Variable | 0.50% | 0.50% | Quarterly |
| IRA Variable Traditional/Roth | 2.50% | 2.52% | Quarterly |
| IRA Fixed Traditional/Roth 36 Month | 3.00% | 3.03% | 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 |
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.
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 | 0.25% | 0.25% |
| $7,500 - and above | 0.45% | 0.45% |
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 | 0.10% | 0.10% |
| $100,000 - and above | 0.10% | 0.10% |
HSA Checking
| Range Amount | Interest Rate | APY* |
|---|---|---|
| $.01 and above | 2.35% | 2.38% |
Business Checking
| Range Amount | Interest Rate | APY* |
|---|---|---|
| $0 - $ 7,499.99 | 0.20% | 0.20% |
| $7,500 - $49,999.99 | 0.30% | 0.30% |
| $50,000 - $99,999.99 | 0.40% | 0.40% |
| $100,000 - and above | 0.50% | 0.50% |
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% |
Money Market Savings
| Range Amount | Interest Rate | APY* |
|---|---|---|
| $25,000 - $99,999.99 | 2.00% | 2.02% |
| $100,000 - $249,999.99 | 2.40% | 2.43% |
| $250,000 - and above | 2.80% | 2.84% |
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.