Personal Savings Rates

Interest Rates & Annual Percentage Yields (APYs) are effective as of: 2/21/2024

Regular Savings
Minimum balance to open: $100

Balance1

Interest Rate1

APY1

Premier Plus Rewards Program Personal Savings and Money Market Interest Rate Reward2

Silver

Gold

Platinum

Interest Rate1

APY1

Interest Rate1

APY1

Interest Rate1

APY1

All balances

0.10%

0.10%

0.11%

0.11%

0.12%

0.12%

0.13%

0.13%

My Cash Savings
Minimum balance to open: None

Balance1

Interest Rate1

APY1

Premier Plus Rewards Program Personal Savings and Money Market Interest Rate Reward2

Silver

Gold

Platinum

Interest Rate1

APY1

Interest Rate1

APY1

Interest Rate1

APY1

All balances

0.10%

0.10%

0.11%

0.11%

0.12%

0.12%

0.13%

0.13%

Signature Plus Savings
Minimum balance to open: $500

Balance1

Interest Rate1

APY1

Premier Plus Rewards Program Personal Savings and Money Market Interest Rate Reward2

Silver

Gold

Platinum

Interest Rate1

APY1

Interest Rate1

APY1

Interest Rate1

APY1

$24,999 or less

0.10%

0.10%

0.11%

0.11%

0.12%

0.12%

0.13%

0.13%

$25,000 - $99,999

0.10%

0.10%

0.11%

0.11%

0.12%

0.12%

0.13%

0.13%

$100,000 - $249,999

0.15%

0.15%

0.16%

0.16%

0.17%

0.17%

0.18%

0.18%

$250,000 - $499,999

0.17%

0.17%

0.18%

0.18%

0.19%

0.19%

0.20%

0.20%

$500,000 - $999,999

0.17%

0.17%

0.18%

0.18%

0.19%

0.19%

0.20%

0.20%

$1,000,000 or more

0.20%

0.20%

0.21%

0.21%

0.22%

0.22%

0.23%

0.23%

Personal Money Market
Minimum balance to open: $1,000

Balance1

Interest Rate1

APY1

Premier Plus Rewards Program Personal Savings and Money Market Interest Rate Reward2

Silver

Gold

Platinum

Interest Rate1

APY1

Interest Rate1

APY1

Interest Rate1

APY1

$9,999 or less

0.20%

0.20%

0.21%

0.21%

0.22%

0.22%

0.23%

0.23%

$10,000 - $49,999

0.30%

0.30%

0.31%

0.31%

0.32%

0.32%

0.33%

0.33%

$50,000 - $99,999

0.35%

0.35%

0.36%

0.36%

0.37%

0.37%

0.38%

0.38%

$100,000 or more

0.70%

0.70%

071%

0.71%

0.72%

0.72%

0.73%

0.73%

1 We may change the balance tiers of the account at any time without notice. Interest Rates and Annual Percentage Yields (APYs) shown are offered on accounts accepted by the Bank and effective as of the date shown above. Your balance earns the interest rate in effect each day for the balance tier associated with your account balance. We may change the interest rate and annual percentage yield of each balance tier at our discretion. CDs, excluding Variable Rate IRAs, earn interest at the rate established at the time of account opening, and the interest rate will not change for the term of the account.  New CDs with a balance of $5,000,000 or more require approval. 
2 To qualify for the Premier Plus Rewards Program Personal Savings and Money Market Interest Rate Reward you must have a Premier Plus Checking account and a combined average daily ledger balance of $25,000 or more in related deposit balances. You must designate the deposit accounts or certificate of deposit accounts you want us to link to your Premier Plus Checking account for combined balances. For each designated linked account, the period of time that we use as the basis for calculating the balance, and the day that we use to determine the balance may be different from the monthly account cycle of the benefiting account. The combined balances will be calculated three days before the monthly account cycle date of your Premier Plus Checking account to determine eligibility for the rates reward. Refer to the Premier Plus Rewards Program Disclosure for additional terms and conditions.

Certificates of Deposit (CDs) 

Personal CD - Promotional Offer4
Minimum balance to open: $1,000

TermBalance1

Interest Rate1

APY1

4 - 12 months$99,999 or less

4.88%

5.00%

$100,000 or more 

4.88%

5.00%

4 Offer good for the initial term only. CD is automatically renewed for the same term. The rate is determined based on the published rate for Personal CD, excluding Personal CD promotional offers. Advertised rate and APY are offered at the bank's discretion and may change daily.

Personal CD & Specialized CD3
Minimum balance to open: $1,000

TermBalance1

Interest Rate1

APY1

3 – 5 months$99,999 or less

3.00%

3.05%

$100,000 or more 

3.01%

3.06%

6 – 11 months $99,999 or less

3.00%

3.05%

$100,000 or more 

3.01%

3.06%

12 – 17 months $99,999 or less

3.00%

3.05%

$100,000 or more 

3.01%

3.06%

18 – 23 months$99,999 or less

3.00%

3.05%

$100,000 or more 

3.01%

3.06%

24 – 35 months$99,999 or less

0.40%

0.40%

$100,000 or more 

0.41%

0.41%

36 – 47 months$99,999 or less

0.40%

0.40%

$100,000 or more 

0.41%

0.41%

48 – 59 months$99,999 or less

0.40%

0.40%

$100,000 or more 

0.41%

0.41%

60 months$99,999 or less

0.45%

0.45%

$100,000 or more 

0.46%

0.46%

Flex CD
Minimum balance to open: $100,000

TermBalance1

Interest Rate1

APY1

15 months 
*Renewals only
$99,999 or less*

2.49%

2.52%

$100,000 or more 

2.50%

2.53%

1We may change the balance tiers of the account at any time without notice. Interest Rates and Annual Percentage Yields (APYs) shown are offered on accounts accepted by the Bank and effective as of the date shown above. Your balance earns the interest rate in effect each day for the balance tier associated with your account balance. We may change the interest rate and annual percentage yield of each balance tier at our discretion. CDs, excluding Variable Rate IRAs, earn interest at the rate established at the time of account opening, and the interest rate will not change for the term of the account.  New CDs with a balance of $5,000,000 or more require approval. 
3Specialized CDs are limited to use for required holds for bonds or secured deposits payable to a public agency. The minimum deposit required to open is $0.01. For bond or court ordered purposes the account balance may not exceed $1,000.00.

Certificates of Deposit (CDs) - Individual Retirement Accounts (IRA)
Variable Rate IRA
Minimum balance to open: $250

TermBalance1

Interest Rate1

APY1

12 – 18 monthsAll balances

2.99%

3.04%

Fixed Rate IRA
Minimum balance to open: 
For terms of 23 months or less: $250 
For terms of 24 months or more: $1,000

TermBalance1

Interest Rate1

APY1

6 – 11 monthsAll balances

3.50%

3.56%

12 – 23 months All balances

3.75%

3.82%

24 – 35 months All balances

1.00%

1.01%

36 – 47 monthsAll balances

1.00%

1.01%

48 – 60 monthsAll balances

1.00%

1.01%

1We may change the balance tiers of the account at any time without notice. Interest Rates and Annual Percentage Yields (APYs) shown are offered on accounts accepted by the Bank and effective as of the date shown above. Your balance earns the interest rate in effect each day for the balance tier associated with your account balance. We may change the interest rate and annual percentage yield of each balance tier at our discretion. CDs, excluding Variable Rate IRAs, earn interest at the rate established at the time of account opening, and the interest rate will not change for the term of the account.  New CDs with a balance of $5,000,000 or more require approval. 

Fees could reduce earnings. Rates and terms are subject to change. For more information call us at 707.524.3000 or 800.995.4066 or visit one of our branches.