FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Deposit Rates
Free Checking
Account | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
Free Personal Checking | N/A | 0.00% | 0.00% | $25.00 |
Free Business Checking | N/A | 0.00% | 0.00% | $100.00 |
VIP Checking
Account | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
"VIP" Interest Checking | $0.01 to $4,999.99 | 0.05% | 0.05% | $100.00 |
"VIP" Interest Checking | $5,000.00 to $19,999.99 | 0.10% | 0.10% | $100.00 |
"VIP" Interest Checking | $20,000 and above | 0.20% | 0.20% | $100.00 |
Non-Profit Checking
Account | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
Non-Profit Checking Tier 1 | $0.01 to $2,499.99 | 0.10% | 0.10% | $100.00 |
Non-Profit Checking Tier 2 | $2,500.00 to $24,999.99 | 0.20% | 0.20% | $100.00 |
Non-Profit Checking Tier 3 | $25,000.00 to $49,999.99 | 0.35% | 0.35% | $100.00 |
Non-Profit Checking Tier 4 | $50,000.00 to $99,999.99 | 0.35% | 0.35% | $100.00 |
Non-Profit Checking Tier 5 | $100,000.00 and above | 0.45% | 0.45% | $100.00 |
Statement Savings
Account | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
Statement Savings Tier 1 | $0.01 to $2,499.99 | 0.05% | 0.05% | $100.00 |
Statement Savings Tier 2 | $2,500.00 to $24,999.99 | 0.05% | 0.05% | $100.00 |
Statement Savings Tier 3 | $25,000.00 to $49,999.99 | 0.10% | 0.10% | $100.00 |
Statement Savings Tier 4 | $50,000.00 to $99,999.99 | 0.10% | 0.10% | $100.00 |
Statement Savings Tier 5 | $100,000.00 and above | 0.20% | 0.20% | $100.00 |
Premier Savings
Account | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
Premier Savings | $0.01 to $24,999.99 | 0.05% | 0.05% | $25,000.00 |
Premier Savings | $25,000.00 to $5,000,000.00 | 3.73% | 3.80% | $25,000.00 |
Premier Savings | $5,000,000.01 to $6,000,000.00 | 3.73% | 3.80% | $25,000.00 |
Premier Savings Tier 4 | $6,000,000.00 and above | 2.47% | 2.50% | $25,000.00 |
Minor Statement Savings
Account | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
Minor Statement Savings Tier 1 | $0.01 to $2,499.99 | 0.05% | 0.05% | $100.00 |
Minor Statement Savings Tier 2 | $2,500.00 to $24,999.99 | 0.05% | 0.05% | $100.00 |
Minor Statement Savings Tier 3 | $25,000.00 to $49,999.99 | 0.10% | 0.10% | $100.00 |
Minor Statement Savings Tier 4 | $50,000.00 to $99,999.99 | 0.10% | 0.10% | $100.00 |
Minor Statement Savings Tier 5 | $100,000.00 and above | 0.20% | 0.20% | $100.00 |
e-Advantage
Account | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
e-Advantage Personal Savings2 | $2,500.00 | 1.24% | 1.25% | $100.00 |
e-Advantage Business Savings3 | $2,500.00 | 1.24% | 1.25% | $100.00 |
e-Advantage IRA Savings2 | $2,500.00 | 1.24% | 1.25% | $100.00 |
Empire Builder Savings
Account | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
Empire Builder Savings Tier 1 | $0.01 to $4,999.99 | 0.05% | 0.05% | $2,500.00 |
Empire Builder Savings Tier 2 | $5,000.00 to $250,000.00 | 0.30% | 0.30% | $5,000.00 |
Empire Builder Savings Tier 3 | Over $250,000.00 | 0.05% | 0.05% | $5,000.00 |
Business Money Market
Account | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
Business Money Market Tier 1 | $0.01 to $2,499.99 | 0.05% | 0.05% | $2,500.00 |
Business Money Market Tier 2 | $2,500.00 to $24,999.99 | 0.10% | 0.10% | $2,500.00 |
Business Money Market Tier 3 | $25,000.00 to $49,999.99 | 0.10% | 0.10% | $2,500.00 |
Business Money Market Tier 4 | $50,000.00 to $99,999.99 | 0.10% | 0.10% | $2,500.00 |
Business Money Market Tier 5 | $100,000.00 and above | 0.20% | 0.20% | $2,500.00 |
Business Money Market Tier 5** | $100,000.00 and above | 0.20% | 0.20% | $2,500.00 |
Personal Money Market
Account | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
Personal Money Market Tier 1 | $0.01 to $2,499.99 | 0.05% | 0.05% | $2,500.00 |
Personal Money Market Tier 2 | $2,500.00 to $24,999.99 | 0.10% | 0.10% | $2,500.00 |
Personal Money Market Tier 3 | $25,000.00 to $49,999.99 | 0.10% | 0.10% | $2,500.00 |
Personal Money Market Tier 4 | $50,000.00 to $99,999.99 | 0.10% | 0.10% | $2,500.00 |
Personal Money Market Tier 5 | $100,000.00 and above | 0.20% | 0.20% | $2,500.00 |
CDs***
Term | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
3 Month | $1,000.00 | 3.73% | 3.80% | $1,000.00 |
5 Month | $1,000.00 | 4.16% | 4.25% | $1,000.00 |
6 Month | $1,000.00 | 3.73% | 3.80% | $1,000.00 |
7 Month | $1,000.00 | 3.73% | 3.80% | $1,000.00 |
8 Month | $1,000.00 | 3.73% | 3.80% | $1,000.00 |
9 Month | $1,000.00 | 3.92% | 4.00% | $1,000.00 |
10 Month | $1,000.00 | 3.92% | 4.00% | $1,000.00 |
11 Month | $1,000.00 | 3.92% | 4.00% | $1,000.00 |
12 Month | $1,000.00 | 3.68% | 3.75% | $1,000.00 |
13 Month | $1,000.00 | 3.68% | 3.75% | $1,000.00 |
15 Month | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
18 Month | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
22 Month | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
24 Month | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
25 Month | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
30 Month | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
34 Month | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
36 Month | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
48 Month | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
60 Month | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
36 Month Access CD*** | $1,000.00 | 0.60% | 0.60% | $1,000.00 |
IRA CD***
Term | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
3 Month | $1,000.00 | 3.73% | 3.80% | $1,000.00 |
5 Month | $1,000.00 | 4.16% | 4.25% | $1,000.00 |
6 Month | $1,000.00 | 3.73% | 3.80% | $1,000.00 |
7 Month | $1,000.00 | 3.73% | 3.80% | $1,000.00 |
8 Month | $1,000.00 | 3.73% | 3.80% | $1,000.00 |
9 Month | $1,000.00 | 3.92% | 4.00% | $1,000.00 |
10 Month | $1,000.00 | 3.92% | 4.00% | $1,000.00 |
11 Month | $1,000.00 | 3.92% | 4.00% | $1,000.00 |
12 Month | $1,000.00 | 3.68% | 3.75% | $1,000.00 |
13 Month | $1,000.00 | 3.68% | 3.75% | $1,000.00 |
15 Month | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
18 Month | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
22 Month | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
24 Month | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
25 Month | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
30 Month | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
34 Month | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
36 Month | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
48 Month | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
60 Month | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
36 Month Access CD*** | $1,000.00 | 2.96% | 3.00% | $1,000.00 |
Rates are subject to change without notice.
*APY = Annual Percentage Yield is effective as of October 10, 2024.
**Municipal MMA only.
*** Penalties for early withdrawals may apply.
**** No penalty will be imposed on the 36 Month Access CD and 36 Month Access IRA CD if withdrawal occurs after 18 months from opening date. Only one withdrawal permitted after the 18 month period. Penalties for early withdrawals apply.
1 available when linked to Business Checking
2 available when linked to the e-Advantage checking, enrolled in Online Banking and e-Statements
3 available when linked to the e-Advantage Business checking, enrolled in Online Banking and e-Statements
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