Checking & Savings Rates

Rates accurate as of January 18, 2017.

Personal Checking Accounts

Type APY Minimum Earnings Range

*Minimum daily average, dividends will be compounded and credited monthly. Dividends are calculated by the daily balance method. The minimum daily balance to earn must be maintained each day to obtain the disclosed annual percentage yield. Rates may vary after the account is opened. Fees may be assessed if minimum balance requirement is not maintained. Fees could reduce earnings on the account. APY accurate as of the last dividend declaration date. Rates subject to change at any time.

C1st Free Checking None $0 NA
Your Voice Checking 0.20% $0 $0.01+
C1st Interest Checking 0.20% $0 $0.01+
Platinum Checking 0.40% $1,000 $1,000+
Golden Opportunity Checking 0.20% $0 $0.01+

Kasasa Accounts

Type APY Minimum Earnings Range

Dividends computed using Daily Balance Method.  Dividends compounded monthly.  Fees could reduce earnings.  To qualify per monthly qualification cycle, you must: 1) make 12 debit card (non-ATM) transactions; 2) be enrolled in and log in to online banking at least once per cycle; 3) be enrolled in and receive eStatements.  Rates subject to change at any time.  

Kasasa Cash: Qualifications Met 3.00% $0 $0 - $15,000
Kasasa Cash: Qualifications Met 0.15% $15,001 $15,001+
Kasasa Cash: Qualifications Not Met 0.03% $0 $0
Kasasa Cash Back None $0 $0
Kasasa Saver: Qualifications Met 0.50% $0 $0 - $15,000
Kasasa Saver: Qualifications Met 0.25% $15,001 $15,001+
Kasasa Saver: Qualifications Not Met 0.03% $0 $0

Business Checking Accounts

Type APY Minimum Earnings Range

*Minimum daily average, dividends will be compounded and credited monthly. Dividends are calculated by the daily balance method. The minimum daily balance to earn must be maintained each day to obtain the disclosed annual percentage yield. Rates may vary after the account is opened. Fees may be assessed if minimum balance requirement is not maintained. APY accurate as of the last dividend declaration date.  Rates subject to change at any time.

C1st Free Business Checking None $0 NA
Business Interest Checking 0.20% $2,500 $2,500+
Commercial Checking 0.40% $0 $0.01+

Money Market Account

Type APY Minimum Earnings Range

*Dividends will be compounded monthly. Dividends are calculated by the daily balance method. The minimum daily balance to earn must be maintained each day to obtain the disclosed annual percentage yield (fee if drops below min.). Fees could reduce earnings on the account.  Rates may vary after the account is opened. APY accurate as of the last dividend declaration date.  Rates subject to change at any time.

Money Market 0.20% $2,500 $2,500 - $25,000
Money Market 0.50% $25,001 $25,001+

IRA Shares

Type APY Minimum Earnings Range

*Dividends will be compounded and credited quarterly. Dividends are calculated by the daily balance method (fee if drops below min). Withdrawals may be subject to early withdrawal penalties, and to tax and penalty, according to IRS Regulations. Fees could reduce earnings on the account.  Rates may vary after the account is opened. APY accurate as of the last dividend declaration date.  Rates subject to change at any time.

IRA 1.00% $100 NA

Savings Accounts

Type APY Minimum Earnings Range

*Dividends will be compounded and credited quarterly (rather than monthly). If during any time your account falls below the required minimum daily balance, your account will be subject to a service fee. Fees could reduce earnings on the account.  Rates may vary after the account is opened. APY accurate as of the last dividend declaration date.  Rates subject to change at any time.

Christmas Club 0.20% $1 $1+
Regular Share Savings & Secondary Shares 0.15% $5 $5 - $2,500
Regular Share Savings & Secondary Shares 0.15% $2,501 $2,501+
Golden Opportunity Club 0.75% $1,000 $1,000+

Certificate Accounts

Type APY Minimum Earnings Range

*Dividends will be compounded and credited quarterly. Dividends are calculated by the daily balance method. Penalties may be imposed for withdrawal of funds before maturity. Fees could reduce earnings on the account.  Not eligible for IRAs.  Rates subject to change at any time. Certificate Account rates shown apply to amounts up to $250,000. 

03 Month 0.20% $500 $500 - $7,500
03 Month 0.25% $7,501 $7,501+
06 Month 0.30% $500 $500 - $7,500
06 Month 0.40% $7,501 $7,501 - $50,000
06 Month 0.70% $50,001 $50,001+
12 Month 0.55% $500 $500 - $7,500
12 Month 0.65% $7,501 $7,501 - $15,000
12 Month 0.95% $15,001 $15,001 - $50,000
12 Month 1.20% $50,001 $50,001+
24 Month 0.85% $500 $500 - $7,500
24 Month 0.95% $7,501 $7,501 - $15,000
24 Month 1.25% $15,001 $15,001 - $50,000
24 Month 1.35% $50,001 $50,001+
36 Month 1.15% $500 $500 - $7,500
36 Month 1.25% $7,501 $7,501 - $15,000
36 Month 1.55% $15,001 $15,001 - $50,000
36 Month 1.65% $50,001 $50,001+
48 Month 1.35% $500 $500 - $7,500
48 Month 1.45% $7,501 $7,501 - $15,000
48 Month 1.75% $15,001 $15,001 - $50,000
48 Month 1.85% $50,001 $50,001+
60 Month 1.70% $500 $500 - $7,500
60 Month 1.80% $7,501 $7,501 - $15,000
60 Month 2.10% $15,001 $15,001 - $50,000
60 Month 2.20% $50,001 $50,001+

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