Rates effective as of January 5, 2017. The rates on accounts may be changed at any time at our discretion. Fees may reduce earnings.

APY = Annual Percentage Yield

APY is based on quarterly compounding.

Checking Accounts

ProductMinimum Deposit at Account OpeningMinimum Balance to Obtain APY*APY
Gold Owl Checking$50.00-0.05%
BSB Club Checking Account**$50.00-0.05%
Business Checking with Interest**$50.00-0.05%
Premium Checking Account$1,000.00$1,000.00 — $2,499.990.05%
$2,500.00 and up0.20%
Freedom Account

For U.S. Veterans & Active Military

$50.00Up to $2,5000.20%
$2,500.00 and up0.50%

Savings Accounts

ProductMinimum Required DepositMinimum Balance to Obtain APY*APY
Statement Savings$50.00-0.10%
Cool Owl Kids Club Account$1.00-0.20%
Christmas Club

Automatic Withdrawal


Certificates of Deposit

Minimum of $1,000.00

TermInterest RateAPY
100 Days0.55%0.55%
6 Months0.55%0.55%
7 Months0.75% 0.75%
9 Months1.00%1.00%
12 Months0.85%0.85%
13 Months1.15%1.15%
18 Months1.30%1.30%
24 Months1.00% 1.00%
36 Months1.05% 1.05%
48 Months1.15% 1.15%
60 Months1.20% 1.20%

These certificates are automatically renewable.

Penalty for early withdrawals.