Open Now Account Rates

+Annual Percentage Yield effective as of 9-18-2025.  Rates may change after account is opened.  

 

* Each monthly qualification cycle must have at least 12 debit card purchases post and settle, have at least 1 direct deposit or automatic payment (ACH) post and settle, and be enrolled and receive eStatement notice. APY=Annual Percentage Yield. APYs accurate as of 03/14/2025.  Rates may change after account is opened. Minimum to open is $50. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 5.00%; and (3) balances over $25,000 earn  0.486% with an annual percentage yield of 0.50% on portion of balance over $25,000. If qualifications are not met, all balances earn 0.05% APY. Interest compounds on a daily basis and credits to the account monthly.  Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. "Monthly Qualification Cycle" means a period beginning one banking day prior to the first day of the current statement cycle through one banking day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 if qualifications are met within monthly qualification cycle. ATM receipt must be presented for reimbursement of ATM fees of $5.00 or higher. ATM transactions do not count towards qualifying debit card transactions. Limit one account per SSN.   Fees may reduce earnings.