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Deposit Rates

Home Personal Deposit Rates

The Latest Rates for CDs, IRAs, Money Markets, Checking and Savings Accounts

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Current Deposit Rates

  • Rates valid as of Rates as of February 23, 2019
  • Balances below $10.00 do not earn APY.
  • APY = Annual Percentage Yield

Certificates of Deposit

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CD Rates
TermDeposit Interest RatesAnnual Percentage YieldMinimum Deposit to Open and Earn APY
91 Day - 5 Month0.995% S1.00%$2,500
6-8 Month1.49% S1.50%$2,500
9-11 Month1.49% S1.50%$2,500
12-14 Month1.98% CC2.00%$500
15-17 Month1.98% CC2.00%$500
18-23 Month1.98% CC2.00%$500
24-29 Month2.23% CC2.25%$500
30-35 Month2.23% CC2.25%$500
36-47 Month2.47% CC2.50%$500
48-59 Month2.96% CC3.00%$500
60 Month2.96% CC3.00%$500

There is a substantial penalty for early withdrawal.

  • MC = Monthly Compounding
  • S = Simple Interest
  • VR = Variable Rate
  • APY = Annual Percentage Yield
  • CC = Continuous Compounding

Companion Money Market

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Balance to Earn APYDeposit Interest RateAnnual Percentage Yield
$10.00 - $2,499.990.01%0.01% VR
$2,500.00 - $24,999.990.50%0.50% VR
$25,000.00 - $74,999.991.00%1.00% VR
$75,000 - 499,999.991.00%1.00% VR
$500,000 and up1.00%1.00% VR

Fee could reduce earnings
All rates are subject to change, after the account is opened.
Opening minimum balance for a Money Market is $2500.00


Spinnaker Checking Account

Spinnaker Checking Account
Balance to Earn APYDeposit Interest RateAnnual Percentage Yield
$0.00 - $10,000.000%0%

NOW Account

NOW Account
Balance to Earn APYDeposit Interest RateAnnual Percentage Yield
APY is earned as long as $10 is in the account during the statement cycle0.05%0.05% VR

Fee could reduce earnings
All rates are subject to change, after the account is opened.
Opening minimum balance for a NOW Account is $100.


Companion Checking Account

Companion Checking Account
Balance to Earn APYDeposit Interest RateAnnual Percentage Yield
APY is earned as long as $10 is in the account during the statement cycle0.10%0.10% VR

Fee could reduce earnings
All rates are subject to change, after the account is opened.
Opening minimum balance for a Companion Checking Account is $100.
Pair with a Companion Money Market Account or Companion CD.


Spinnaker Sailing Account

Spinnaker Sailing Account
Balance to Earn APYDeposit Interest RateAnnual Percentage Yield
$100,000.00 - AND UP0.30%0.30% VR
$50,000 - $99,999.990.25%0.25% VR
$15,000 - $49,999.990.10%0.10% VR
$10.00 - $14,999.990.01%0.01% VR
$0.00 - $9.990%0% VR

Opening Minimum Balance: $10,000
All rates are subject to change, after the account is opened.
Fees could reduce earnings.


Sextant Premier Money Market Account

Sextant Premier Money Market Account
Balance to Earn APYDeposit Interest RateAnnual Percentage Yield
$50,000.00 and up1.00%1.00% VR
$10,000.00 - $49,999.990.20%0.20% VR
$10.00 - $9,999.990.01%0.01% VR
$0.00 - $9.990.00%0.00% VR

Opening minimum balance for a Money Market or Sextant Premier Money Market is $2,500.00.
All rates are subject to change, after the account is opened.
Fee could reduce earnings.


Passbook Savings Account

Passbook Savings Account
Deposit Interest RateAnnual Percentage Yield
0.15% CC0.15% VR

Minimum balance to open and obtain APY is $10.00.
All rates are subject to change, after the account is opened.
Fee could reduce earnings.
The calculation method for interest is 365/365,
All Deposits are insured in full by FDIC and DIF.

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