Deposit Rates

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 June 15, 2021
• Balances below $10.00 do not earn APY.
• APY = Annual Percentage Yield

Certificates of Deposit

Open an account at one of our branches!

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

Money Market

Minimum balance to open is $2,500.00
Minimum balance to obtain APY is $10.00

Spinnaker Checking Account

This is a consumer product.

NOW Account

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

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.

Rewards Checking Account

This is a consumer product.
*The Annual Percentage Yield (APY) for the Rewards Checking account is 2.00% as of 4/1/21. To qualify for the Rewards Checking preferred interest rate and receive up to a $20 reimbursement for foreign ATM fees per monthly statement cycle, you must meet the following monthly requirements: the minimum account balance is $10; the maximum account balance is $15,000; enrollment in online banking; enrollment in eStatements; a direct deposit in the account of at least $100 per montly statement cycle; have at least 12 POS signature debit card purchases per monthly statement cycle with a minimum of a $10.00 for each purchase; no more than 15 days delinquent on a loan. Notice: monthly statement of account will reflect credit card days delinquent at 0 as this is not a requirement to receive the preferred interest rate. If the account does not meet one of the criteria above, or goes above $15,000 any day of the monthly statement cycle, the entire balance will earn 0.01% APY. Rate is subject to change. Fees may reduce earnings.

Lifeline 18/65 Checking Account

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.

Passbook Savings Account

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

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.