Deposit Rates
-
Open an Account
Whether you're saving for a home or starting a family, we have an account that fits your needs!
Open Now -
Apply for a Mortgage Now
Your path to receiving the funds you need starts with our online mortgage application.
Apply Now -
Switch Now
Just opened an account with us? Let us help you transfer over your funds from your previous financial institution.
Learn more
The Latest Rates for CDs, IRAs, Money Markets, Checking and Savings Accounts
You hustle hard every day. We believe your money should work just as hard.
Current Deposit Rates
- Rates valid as of Rates as of September 20, 2019
- Balances below $10.00 do not earn APY.
- APY = Annual Percentage Yield
Certificates of Deposit
| Term | Deposit Interest Rates | Annual Percentage Yield | Minimum Deposit to Open and Earn APY |
|---|---|---|---|
| 60 Month | 1.49% CC | 1.50% | $500 |
| 59-48 Month | 1.49% CC | 1.50% | $500 |
| 47-36 Month | 1.49% CC | 1.50% | $500 |
| 35-30 Month | 1.49% CC | 1.50% | $500 |
| 29-24 Month | 1.49% CC | 1.50% | $500 |
| 23-18 Month | 1.49% CC | 1.50% | $500 |
| 17-15 Month | 1.49% CC | 1.50% | $500 |
| 14-12 Month | 1.49% CC | 1.50% | $500 |
| 11-9 Month | 1.49% S | 1.50% | $2,500 |
| 8-6 Month | 1.49% S | 1.50% | $2,500 |
| 5 Month - 91 Day | 0.99% S | 1.00% | $2,500 |
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
| Balance to Earn APY | Deposit Interest Rate | Annual Percentage Yield |
|---|---|---|
| $500,000.00 and up | 1.00% | 1.00% VR |
| $499,999.99 - $75,000.00 | 1.00% | 1.00% VR |
| $74,999.99 - $25,000.00 | 1.00% | 1.00% VR |
| $24,999.999 - $2,500.00 | 0.50% | 0.50% VR |
| $2,499.99 - $10.00 | 0.01% | 0.01% 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
High Yield Money Market
| Balance to Earn APY | Deposit Interest Rate | Annual Percentage Yield |
|---|---|---|
| $1,000,000.01 and up | 1.98% | 2.00% VR |
| $100,000.00 - $1,000,000.00 | 1.73% | 1.75% VR |
| $75,000.00 - $99,999.99 | 1.40% | 1.41% VR |
| $2,500.00 - $74,999.99 | 0.75% | 0.75% VR |
| $0.00 - $2,499.99 | 0.01% | 0.01% VR |
Fee could reduce earnings
All rates are subject to change, after the account is opened.
Opening minimum balance for a Money Market is $25,000.00
Minimum balance to avoid a $10.00 service fee is $2,500.00
Spinnaker Checking Account
| Balance to Earn APY | Deposit Interest Rate | Annual Percentage Yield |
|---|---|---|
| $0.00 - $10,000.00 | 0% | 0% |
NOW Account
| Balance to Earn APY | Deposit Interest Rate | Annual Percentage Yield |
|---|---|---|
| APY is earned as long as $10 is in the account during the statement cycle | 0.05% | 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
| Balance to Earn APY | Deposit Interest Rate | Annual Percentage Yield |
|---|---|---|
| APY is earned as long as $10 is in the account during the statement cycle | 0.10% | 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
| Balance to Earn APY | Deposit Interest Rate | Annual Percentage Yield |
|---|---|---|
| $100,000.00 - AND UP | 0.30% | 0.30% VR |
| $50,000 - $99,999.99 | 0.25% | 0.25% VR |
| $15,000 - $49,999.99 | 0.10% | 0.10% VR |
| $10.00 - $14,999.99 | 0.01% | 0.01% VR |
| $0.00 - $9.99 | 0% | 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
| Balance to Earn APY | Deposit Interest Rate | Annual Percentage Yield |
|---|---|---|
| $50,000.00 and up | 1.00% | 1.00% VR |
| $10,000.00 - $49,999.99 | 0.20% | 0.20% VR |
| $10.00 - $9,999.99 | 0.01% | 0.01% VR |
| $0.00 - $9.99 | 0.00% | 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
| Deposit Interest Rate | Annual Percentage Yield |
|---|---|
| 0.15% CC | 0.15% 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.
Statement Savings Account
| Deposit Interest Rate | Annual Percentage Yield |
|---|---|
| 0.15% CC | 0.15% 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.
Financial News, Local Events, Monetary Advice...