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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 valid as of Rates as of January 17, 2020
- 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 | 1.44% CC | 1.45% | $500 |
| 14-12 Month | 1.44% CC | 1.45% | $500 |
| 11-9 Month | 1.34% S | 1.35% | $2,500 |
| 8-6 Month | 1.34% S | 1.35% | $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 | 1.53% | 1.54% VR |
| $100,000.00 - $1,000,000.00 | 1.38% | 1.39% VR |
| $75,000.00 - $99,999.99 | 1.38% | 1.39% 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.
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