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Consumer Rates

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Consumer Deposit Rates

Interest Checking, Money Market and Savings Accounts*

Rates effective February 1, 2024. All rates subject to change without notice. Interest is compounded monthly.

AccountMinimum daily balance
required to earn APY
Annual Percentage Yield (APY)Interest rate
Prestige Checking
($50 minimum to open)
$0.01

$0.01

$0.01
Base 0.05%

Tier 1 Reward[1] 0.20%

Tier 2 Reward[1] 0.35%
Base 0.05%

Tier 1 Reward 0.20%

Tier 2 Reward 0.35%
Granite Checking
($50 minimum to open)
$0.01

$0.01
Base 0.01%

Tier 1 Reward[2] 0.10%
Base 0.01%

Tier 1 Reward 0.10%
Prestige Money Market[3]
($2,500 minimum to open. Daily balances under $2,500 do not earn interest.)
$2,500-49,999.99

$50,000-99,999.99

$100,000-249,999.99

$250,000-499,999.99

$500,000+
0.05%

0.05%

0.05%

0.05%

0.05%
0.05%

0.05%

0.05%

0.05%

0.05%
Premier Money Market[3]
($2,500 minimum to open. Daily balances under $2,500 do not earn interest.)
$2,500-49,999.99

$50,000-99,999.99

$100,000-249,999.99

$250,000-499,999.99

$500,000+
0.01%

0.01%

0.01%

0.05%

0.05%
0.01%

0.01%

0.01%

0.05%

0.05%
Savings
($100 minimum to open)
Personal
$0.010.01%0.01%

Fees could reduce earnings on these accounts.

*The rate may change after the account is opened.  

[1] Prestige Reward Tiers are earned on balances up to $30,000 when qualifying conditions are met. Please refer to your Prestige Checking Truth in Savings Disclosure for complete details on the qualifying conditions.

[2] Granite Reward Tier is earned on balances up to $15,000 when qualifying conditions are met. Please refer to your Granite Checking Truth in Savings Disclosure for complete details on the qualifying conditions. 

[3] Please note, as indicated, daily balances between $0.01 and $2,499.99 do not presently earn interest and the quoted APY/rate is only earned on the balance range specified for the corresponding tier, not on the entire balance.

Certificates of Deposit

Including Individual Retirement Accounts (IRA).

Rates effective February 1, 2024. All rates subject to change without notice. Interest is compounded monthly. $500 minimum to open.

Account TermMinimum Daily Balance Required to Earn APY Annual Percentage Yield (APY) Interest Rate Prestige Annual Percentage Yield (APY)*** Prestige Interest Rate***
5 Month Special****$5,0005.10%4.98%5.10%4.98%
10 Month Special****$5,0004.80%4.70%4.80%4.70%
6 Month$5000.10%0.10%0.15%0.15%
1 Year$5000.15%0.15%0.20%0.20%
2 Years$5000.20%0.20%0.25%0.25%
3 Years$5000.25% 0.25%0.30%0.30%
4 Years$5000.30%0.30%0.35%0.35%
5 Years$5000.35%0.35%0.40%0.40%

Early withdrawal penalties may be imposed. Fees may reduce earnings on IRA Certificate of Deposits. ***Prestige Annual Percent Yields and Interest Rates apply to Certificates of Deposit if account owner is also a Prestige Checking account holder. ****Annual Percentage Yield (APY) is effective as of 01/08/2024. Special can end at any time. Minimum balance required to earn 5.10% or 4.80% APY is $5,000. May not be combined with Prestige checking preferred rate. Offer may be withdrawn at any time. CD Specials are not eligible for partial withdrawals below the minimum qualifying balance.

Variable Rate IRA

Rates effective February 1, 2024. All rates subject to change without notice. Interest is compounded monthly. $100 minimum to open.

Account Account Term Minimum Daily Balance Required to Earn APY Annual Percentage Yield (APY) Interest Rate
Variable Rate IRAN/A$1000.03%0.03%

The rate may change after the account is opened. Fees may reduce earnings on these accounts.