Deposit Rates

Deposit Accounts

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Deposit Accounts
Type of Account Minimum Balance Rate APY
Choice Checking $0 N/A N/A
Investors Checking Silver1 $500 - $100,000 1.75% 1.75%
Investors Checking Silver1 $100,000.01 - $250,000 0.75% 0.75%
Investors Checking Gold2 $2,500 - $100,000 2.00% 2.00%
Investors Checking Gold2 $100,000.01 - $250,000 1.00% 1.00%
Prime Share $25 0.09% 0.10%
You-Name-It-Savings $25 0.09% 0.10%

Money Market Savings

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Money Market Savings
Daily Balance Rate APY
Up to - $9,999 0.74% 0.75%
$10,000 - $24,999 0.74% 0.75%
$25,000 - $49,999 0.79% 0.80%
$50,000 - $100,000 0.79% 0.80%
$100,000 - $249,999 0.89% 0.90%
$250,000 - $100,000,000 0.99% 1.00%

Share Certificates*

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High Yield Money Market
Term Daily Balance Rate APY
6 Months
$500.00 Minimum
2.47%
2.50%
12 Months $500.00 Minimum
2.82%
2.85%
18 Months
$500.00 Minimum
2.72%
2.75%
24 Months
$500.00 Minimum
2.62%
2.65%
36 Months
$500.00 Minimum
2.23%
2.25%
48 Months
$500.00 Minimum
2.47%
2.50%
60 Months
$500.00 Minimum
2.72%
2.75%
7 Months
$500.00 Minimum
5.14%
5.25%
13 Months3 $500.00 - $250,000.00
5.29%
5.40%

Individual Retirement Account (IRA)

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Individual Retirement Account (IRA)
Daily Balance Rate APY
$10 or more 0.39% 0.40%

Health Savings Account (HSA)

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Health Savings Account (HSA)
Daily Balance Rate APY
Checking ($25 or more) 0.50% 0.50%
Savings  0.09% 0.10%

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*APY = Annual Percentage Yield
IRA certificates will earn the above yields with $500.00 minimum balance.

1. Investors Checking Silver: A minimum of $500 is required to open an Investors Silver account. A $5 fee will be charged any month during which the balance falls below the minimum on any given date. The minimum balance of $500 is required to obtain the disclosed Annual Percentage Yield (APY). Monthly dividends will be paid on balances of $250,000 or less. Other restrictions may apply. Rates are subject to change.

2. Investors Checking Gold: A minimum of $2,500 is required to open an Investors Gold account. A $5 fee will be charged any month during which the balance falls below the minimum on any given date. The minimum balance of $2,500 is required to obtain the disclosed APY. Monthly dividends will be paid on balances of $250,000 or less. Other restrictions may apply. Rates are subject to change.

3. Minimum to open $500, maximum $250,000. Dividend rate 5.294% Dividends for share certificates are calculated on the average daily balance and paid quarterly. Interest rates are reviewed weekly and are subject to change without notice. Additional deposit allowed during term of certificate up to the maximum certificate deposit amount allowed. At maturity, balance of the 13-month certificate will automatically roll into a 12-month certificate at the current rate at the time. Does not qualify for IRAs. Rates are effective 3/1/2024. Subject to change without notice. Cannot be combined with any other offers. Restrictions may apply. Any premature withdrawal will incur a penalty equivalent to 90 days of interest on the withdrawn amount. 

Certificates with terms of six months or less pay dividends at maturity. Dividends on certificates with terms of six months or more are earned from date of deposit.