Check out our competitive rates on CDs, Money Markets and IRAs.
Interest Rates for Certificates of Deposit
| Term | Rate | APY* |
|---|---|---|
| 30 day | 0.50% | 0.50% |
| 91 day | 0.65% | 0.65% |
| 6 month | 0.80% | 0.80% |
| 7 month CD Special | 4.51% | 4.60% |
| 9 month CD Special | 4.41% | 4.50% |
| 12 month | 1.00% | 1.00% |
| 13 month CD Special | 4.31% | 4.40% |
| 24 month | 1.09% | 1.10% |
| 3 year | 1.14% | 1.15% |
| 4 year | 1.14% | 1.15% |
| 5 year | 1.28% | 1.29% |
| Interest rates current as of July 2, 2025 and subject to change at any time. |
Substantial penalty for early withdrawal of CD. Fees may reduce earnings.
CD Specials have a minimum $2,500 balance to open and obtain advertised APY.
Terms one year and under have a minimum $2,500 balance to open and obtain advertised APY.
Terms over one year have a minimum $1,000 balance to open and obtain advertised APY.
*APY means “Annual Percentage Yield”
Interest Rates for Money Market Accounts
| Account Type Consumer VIP Money Market | Rate | APY* |
|---|---|---|
| Tier 1: $5,000 minimum | 0.75% | 0.75% |
| Tier 2: $25,000 minimum | 0.85% | 0.85% |
| Tier 3: $75,000 minimum | 0.95% | 0.95% |
| Tier 4: $100,000 minimum | 1.05% | 1.05% |
| Tier 5: $250,000 minimum | 1.14% | 1.15% |
| Interest rates current as of July 2, 2025 and subject to change at any time. |
Rate may change after account is opened.
Fees may reduce earnings.
*APY means “Annual Percentage Yield”
Interest Rates for Individual Retirement Accounts
| Term | Rate | APY* |
|---|---|---|
| IRA variable 18-month** | 4.26% | 4.34% |
| IRA fixed 30-month | 1.14% | 1.15% |
| IRA variable 30-month** | 4.18% | 4.26% |
| Interest rates current as of July 2, 2025 and subject to change at any time. |
Substantial penalty for early withdrawal of IRA.
Fees may reduce earnings.
*APY means “Annual Percentage Yield”
**Rate may change after account is opened.
Interest Rates for Personal Savings Accounts
| Account Type Personal Savings | Rate | APY* |
|---|---|---|
| Tier 1: Minimum $100 | 0.40% | 0.40% |
| Tier 2: Minimum $1,000 | 0.45% | 0.45% |
| Tier 3: Minimum $25,000 | 0.50% | 0.50% |
| Interest rates current as of July 2, 2025 and subject to change at any time. |
Fees may reduce earnings.
*APY means “Annual Percentage Yield”
Interest Rates for Minor Savings Account
| Account Type Minor Savings Account | Rate | APY* |
|---|---|---|
| No Minimum Balance Required | 0.40% | 0.40% |
| Interest rates current as of July 2, 2025 and subject to change at any time. |
Fees may reduce earnings.
*APY means “Annual Percentage Yield”
Interest Rates for NOW Accounts
| Account Type Non-Profit NOW Account | Rate | APY* |
|---|---|---|
| Tier 1: Minimum $25,000 | 0.75% | 0.75% |
| Tier 2: Minimum $75,000 | 0.75% | 0.75% |
| Interest rates current as of July 2, 2025 and subject to change at any time. |
| Account Type Personal NOW Account | Rate | APY* |
|---|---|---|
| NOW Account Daily collected balance above $1,500 | 0.75% | 0.75% |
| Interest rates current as of July 2, 2025 and subject to change at any time. |
| Account Type HSA Account | Rate | APY* |
|---|---|---|
| HSA Account Daily balance above $1,500 | 0.75% | 0.75% |
| Interest rates current as of July 2, 2025 and subject to change at any time. |
Rate may change after account is opened.
Fees may reduce earnings.
*APY means “Annual Percentage Yield”
Interest Rates for Commercial Money Market Accounts
| Account Type Commercial Money Market | Rate | APY* |
|---|---|---|
| Tier 1: $5,000 minimum | 0.75% | 0.75% |
| Tier 2: $25,000 minimum | 0.85% | 0.85% |
| Tier 3: $100,000 minimum | 0.95% | 0.95% |
| Tier 4: $250,000 minimum | 1.05% | 1.05% |
| Tier 5: $500,000 minimum | 1.14% | 1.15% |
| Interest rates current as of July 2, 2025 and subject to change at any time. |
Rate may change after account is opened. Fees may reduce earnings.
*APY means “Annual Percentage Yield”