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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 April 11, 2021
  • Balances below $10.00 do not earn APY.
  • APY = Annual Percentage Yield

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

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

Spinnaker Checking Account
Balance to Earn APYDeposit Interest RateAnnual Percentage Yield
$0.00 - $10,000.000%0%

This is a consumer product.


NOW Account

NOW Account
Balance to Earn APYDeposit Interest RateAnnual Percentage Yield
APY is earned as long as $10 is in the account during the statement cycle0.01%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

Spinnaker Sailing Account
Balance to Earn APYDeposit Interest RateAnnual Percentage Yield
$100,000.00 - AND UP0.30%0.30% VR
$50,000 - $99,999.990.20%0.20% VR
$15,000 - $49,999.990.10%0.10% VR
$10.00 - $14,999.990.01%0.01% VR
$0.00 - $9.990.01%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

Passbook Savings Account
Deposit Interest RateAnnual Percentage Yield
0.10% CC0.10% 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

Passbook Savings Account
Deposit Interest RateAnnual Percentage Yield
0.10% CC0.10% 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

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