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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 as of April 11, 2021
- 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 | 0.50% DC | 0.50% | $500 |
| 59-48 Month | 0.40% DC | 0.40% | $500 |
| 47-36 Month | 0.40% DC | 0.40% | $500 |
| 35-30 Month | 0.40% DC | 0.40% | $500 |
| 29-24 Month | 0.30% DC | 0.30% | $500 |
| 23-18 Month | 0.25% DC | 0.25% | $500 |
| 17-15 Month | 0.25% DC | 0.25% | $500 |
| 14-12 Month | 0.25% DC | 0.25% | $500 |
| 11-9 Month | 0.15% S | 0.15% | $2,500 |
| 8-6 Month | 0.10% S | 0.10% | $2,500 |
| 5 Month - 91 Day | 0.10% S | 0.10% | $2,500 |
This is a consumer product. There is a substantial penalty for early withdrawal.
- MC = Monthly Compounding
- S = Simple Interest
- VR = Variable Rate
- APY = Annual Percentage Yield
- DC = Daily Compounding
Spinnaker Checking Account
| Balance to Earn APY | Deposit Interest Rate | Annual Percentage Yield |
|---|---|---|
| $0.00 - $10,000.00 | 0% | 0% |
This is a consumer product.
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 | 0.01% | 0.01% VR |
This is a consumer product. Fee could reduce earnings
All rates are subject to change, after the account is opened.
Opening minimum balance for a NOW Account is $100.
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 | 0.20% | 0.20% 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 | 0.01% | 0.01% VR |
This is a consumer account. Opening Minimum Balance: $10,000
All rates are subject to change, after the account is opened.
Fees could reduce earnings.
Passbook Savings Account
| Deposit Interest Rate | Annual Percentage Yield |
|---|---|
| 0.10% CC | 0.10% VR |
This is a consumer product. 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 |
|---|---|
| 0.10% CC | 0.10% VR |
This is a consumer product. 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.
Online Services
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Loan Rates
Speak to one of our experienced loan officers about interest rates and financing options.
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