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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 as of September 17, 2021

Certificates of Deposit

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CD Rates
TermDeposit Interest RatesAnnual Percentage YieldMinimum Deposit to Open and Earn APY
60 Month0.50% DC0.50%$500
59-48 Month0.40% DC0.40%$500
47-36 Month0.40% DC0.40%$500
35-30 Month0.40% DC0.40%$500
29-24 Month0.30% DC0.30%$500
23-18 Month0.25% DC0.25%$500
17-15 Month0.25% DC0.25%$500
14-12 Month0.25% DC0.25%$500
11-9 Month0.15% S0.15%$2,500
8-6 Month0.10% S0.10%$2,500
5 Month - 91 Day0.10% S0.10%$2,500

DC = Daily Compounding  S = Simple Interest  There is a substantial penalty for early withdrawal.  This is a consumer product.


Money Market

NOW Account
BalanceDeposit Interest RateAnnual Percentage Yield
$0.00 - $9.990.01%0.01% VR
$10.00 - $2,499.990.05%0.05% VR
$2,500.00 - $9,999.990.05%0.05% VR
$10,000.00 - $49,999.990.10%0.10% VR
$50,000.00 and above0.25%0.25% VR
APY = Annual Percentage Yield  VR = Variable Rate  Minimum balance to open is $2,500.00. Fees could reduce earnings. This is a consumer product.

NOW Account

NOW Account
Balance to Earn APYDeposit Interest RateAnnual Percentage Yield
No minimum balance to earn APY0.01%0.01% VR

APY= Annual Percentage Yield  VR = Variable Rate.  Fees could reduce earnings.  All rates are subject to change after the account is opened.  The opening minimum balance for a NOW Account is $100.  This is a consumer product.
 

Spinnaker Checking Account

Spinnaker Checking Account
Balance to Earn APYDeposit Interest RateAnnual Percentage Yield
$0.00 - $10,000.000%0% VR
APY = Annual Percentage Yield  VR = Variable Rate This account requires opening a Spinnaker Sailing account. Opening Balance: $2,500.  The Spinnaker Checking must have a balance of $10,000. 
Any amount above $10,000 will be transferred into the Spinnaker Sailing account.  All rates are subject to change after the account is opened.  Fees could reduce earnings. This is a consumer account.

Spinnaker Sailing Account

Spinnaker Sailing Account
Balance to Earn APYDeposit Interest RateAnnual Percentage Yield
$100,000.00 - AND UP0.25%0.25% VR
$50,000 - $99,999.990.15%0.15% VR
$15,000 - $49,999.990.05%0.05% VR
$10.00 - $14,999.990.01%0.01% VR
$0.00 - $9.990.01%0.01% VR
APY = Annual Percentage Yield  VR = Variable Rate This account requires opening a Spinnaker Checking account.  Any amount above $10,000 in the Spinnaker Checking will be transferred to the Spinnaker Sailing account and will earn the interest rate referenced above.  All rates are subject to change after the account is opened. This is a consumer account.

Rewards Checking Account

Rewards Checking Account
Balance Interest RateAPY*
$0.00 - $15,000.001.98%2.00% APY*
$15,000.01+0.01%2.00% - 0.01% APY*

This is a consumer product.
*The Annual Percentage Yield (APY) is 2.00% as of 9/1/21. If you do not meet the eligibility requirements during the monthly statement cycle, the rate paid on your account on the entire balance will be 0.01% with an APY of 0.01%. Minimum balance to open the account is $10. To be eligible for the interest rates and APYs, and receive up to $20 reimbursement for foreign ATM fees, you must meet the following requirements during the monthly statement cycle: enrollment in online banking and eStatements, a direct deposit of at least $100, 12 debit card purchases processed and posted as a credit card with a minimum of $10 per transaction. Rate is subject to change. Fees may reduce earnings. 


Lifeline 18/65 Checking Account

Lifeline 18/65 Checking Account
Deposit Interest RateAnnual Percentage Yield
0.01% 0.01% VR
APY = Annual Percentage Yield  VR = Variable Rate This is a consumer product. Minimum balance to open is $10.00. All rates are subject to change after the account is opened. Fees could reduce earnings. All Deposits are insured in full by FDIC and DIF. 

Passbook Savings Account

Passbook Savings Account
Deposit Interest RateAnnual Percentage Yield
0.10% DC0.10% VR

APY = Annual Percentage Yield  DC = Daily Compounding  VR = Variable Rate  Minimum balance to open is $10.00. All rates are subject to change after the account is opened. Fees could reduce earnings. All Deposits are insured in full by FDIC and DIF.  This is a consumer product.


Statement Savings Account

Statement Savings Account
Deposit Interest RateAnnual Percentage Yield
0.10% DC0.10% VR

This is a consumer product. Minimum balance to open is $10.00. All rates are subject to change, after the account is opened. Fees could reduce earnings. All Deposits are insured in full by FDIC and DIF.
APY = Annual Percentage Yield 
DC = Daily Compounding VR = Variable Rate


Christmas Club Account

Christmas Club Account
Deposit Interest RateAnnual Percentage Yield
0.10% DC0.10% VR

This is a consumer product. Minimum balance to open is $10.00. All rates are subject to change, after the account is opened.
Fee could reduce earnings. All Deposits are insured in full by FDIC and DIF. 

DC = Daily Compounding VR = Variable Rate

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