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Deposit Rates

Annual Percentage Yield (APY) effective 02/12/2025. Subject to Change without Notice.

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Checking Accounts


Product

Rate

APY

Minimum to Earn Interest

Premier Checking1 1.49%  1.50% N/A
Loyalty Checking2 0.99% 1.00% N/A
Free Checking 0.00%  0.00% N/A


Savings Accounts3

Product

Rate

APY

Minimum to Earn Interest

Soaring Savings 3.92%  4.00% $25,000
Statement Savings


Tier 1 0.15%  0.15% $25
Tier 2 0.20%  0.20% $25,000
Tier 3 0.25%  0.25% $75,000


CD Accounts4

Product

Rate

APY

Minimum to Earn Interest

3 Month 3.94%  4.00% $1,000
9 Month5 4.40% 4.50% $1,000
1 Year 1.98%  2.00% $1,000
2 Year 2.71% 2.75% $1,000
3 Year 2.96% 3.00% $1,000
4 Year 3.20% 3.25% $1,000
5 Year 3.44% 3.50% $1,000



IRA Accounts4

Product

Rate

APY

Minimum to Earn Interest

1 Year 1.98%  2.00% $1,000
2 Year 2.71% 2.75% $1,000
3 Year 2.96% 3.00% $1,000
4 Year 3.20% 3.25% $1,000
5 Year 3.44% 3.50% $1,000












1 If the daily balance in the account falls below $2,500 on any day of the month, a service charge of $15 will be imposed.
2 In order to avoid a monthly service charge, a minimum of one electronic direct deposit must be made to this account each statement cycle. If no direct deposit is made, a $10.00 service charge will be imposed.
3 Minimum daily balance is required during each monthly cycle period to earn interest.
4 Minimum daily balance is required during each monthly cycle period to earn interest. Fees could reduce earnings. Penalty for early withdrawal.
5 Minimum daily balance of $1,000 is required during each monthly cycle period to earn interest. At Maturity, the account will automatically renew for a 1-year term. You will have a grace period of 10 calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Fees could reduce earnings. Penalty for early withdrawal.