Certificates of Deposit (CDs)

Rates effective: May 8, 2026

Savings Account Rates

Account Type
Interest Rate
APY*
Minimum to open
Minimum daily balance to earn APY
Statement Savings
Statement Savings
Interest Rate
0.03%
APY*
0.03%
Minimum to open
$10.00
Minimum daily balance to earn APY
$10.00
Passbook Savings

Passbook Savings

Interest Rate
0.08%
APY*
0.08%
Minimum to open
$10.00
Minimum daily balance to earn APY
$10.00
School Savings

School Savings

Interest Rate
0.03%
APY*
0.03%
Minimum to open
$1.00
Minimum daily balance to earn APY
$1.00

*Annual Percentage Rate (APY) = Yield when principal and interest are left on deposit. APY for these rates are subject to change at anytime without notice.

Fees could reduce the earnings on these accounts. Rates on variable accounts may change after the account is opened. View the Personal Banking Fees and Charges disclosure for more information.

Row
Interest Rate
APY*
Minimum to open
Voyager Banking
Interest Rate
0%
APY*
0%
Minimum to open
$10.00
Row
Interest Rate
APY*
Minimum to open
Smart Business Checking
Interest Rate
0%
APY*
0%
Minimum to open
$10.00
Rates effective: May 8, 2026

Checking Account Rates

Account Type
Interest Rate
APY*
Minimum to open
Minimum daily balance to earn APY
Personal NOW

Personal NOW

Interest Rate
0.01%
APY*
0.01%
Minimum to open
$10.00
Minimum daily balance to earn APY
$10.00
Clippership Investment
Clippership Investment
Interest Rate

0.01%

0.96%

APY*

0.01%

0.96%

Minimum to open

$100,000.00

$100,000.00

Minimum daily balance to earn APY

$10.00 – $99,999.99

$100,000.00 and above

*Annual Percentage Rate (APY) = Yield when principal and interest are left on deposit. APY for these rates are subject to change at anytime without notice.

Fees could reduce the earnings on these accounts. Rates on variable accounts may change after the account is opened. View the Personal Banking Fees and Charges disclosure for more information.

Rates effective: May 8, 2026

Money Market Rates

Account Type
Interest Rate
APY*
Minimum to open
Minimum daily balance to earn APY
Money Market
Money Market
Interest Rate

0.08%

0.11%

APY*

0.08%

0.11%

Minimum to open

$2,500

$2,500

Minimum daily balance to earn APY

$10.00 – $49,999.99

$50,000.00 and above

Business Sweep Money Market

Business Sweep Money Market

Interest Rate

0.76%

1.50%

APY*

0.76%

1.51%

Minimum to open

$2,500

$2,500

Minimum daily balance to earn APY

$10.00 – $99,999.99

$100,000.00 and above

IRA Money Market

IRA Money Market

Interest Rate

0.01%

0.04%

0.08%

0.20%

0.30%

APY*

0.01%

0.04%

0.08%

0.20%

0.30%

Minimum to open

$2,500

$2,500

$2,500

$2,500

$2,500

Minimum daily balance to earn APY

$10.00 – $2,499.99

$2,500.00 – $24,999.99

$25,000.00 – $49,999.99

$50,000.00 – $99,999.99

$100,000.00 and above

*Annual Percentage Rate (APY) = Yield when principal and interest are left on deposit. APY for these rates are subject to change at anytime without notice.

Fees could reduce the earnings on these accounts. Rates on variable accounts may change after the account is opened. View the Personal Banking Fees and Charges disclosure for more information.