Consumer Deposit Rates

Interest Checking, Money Market and Savings Accounts*

Rates effective July 1, 2022. All rates subject to change without notice. Interest is compounded monthly.

Account  Minimum 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

($1,000 minimum to open)

$1,000

$25,000

$50,000

$100,000

$250,000

0.05%

0.05%

0.05%

0.05%

0.05%

0.05%

0.05%

0.05%

0.05%

0.05%

Premier Money Market

($1,000 minimum to open)

$1,000

$25,000

$50,000

$100,000

$250,000

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

$0.01 0.01% 0.01% 

Fees could reduce earnings on these accounts.

*The rate may change after the account is opened. 

** Prestige Accounts opened before 4/18/2022 please refer to unpublished rate sheet for grandfathered accounts.

[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. 

Certificates of Deposit

Including Individual Retirement Accounts (IRA)

Account Term  Minimum Daily Balance Required to Earn APY  Annual Percentage Yield (APY)  Interest Rate  Prestige Annual Percentage Yield (APY)***  Prestige Interest Rate*** 
6 Months $500  0.10% 0.10%  0.15% 

0.15% 

1 Year $500 0.15% 0.15% 0.20% 0.20%

 18 Month
Special ****

 $25,000 1.75% 1.74% 1.75% 1.74%
 22 Month Special****  $100,000  2.00%  1.98 %  2.00%  1.98%
 22 Month Special****  $250,000  2.25%  2.22%  2.25% 2.22%

2 Years

$500  0.20%  0.20%  0.25%  0.25% 
3 Years $500  0.25%  0.25%  0.30%  0.30% 
4 Years  $500  0.30%  0.30%  0.35%  0.35% 
5 Years  $500  0.35%  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. ****Special can end at any time. Minimum balance required to earn 1.75% APY is $25,000. Minimum balance required to earn 2.00% APY is $100,000. Minimum balance required to earn 2.25% APY is $250,000. May not be combined with Prestige checking preferred rate. Offer may be withdrawn at any time. Offer applies to consumer CDs only. CD Specials are not eligible for partial withdrawals below the minimum qualifying balance.

Variable Rate IRA

Account  Account Term  Minimum Daily Balance Required to Earn APY  Annual Percentage Yield (APY)  Interest Rate 
Variable Rate IRA  N/A  $100  0.03%  0.03% 

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