Rates effective as of March 28, 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 Days0.60%0.60%
6 Months0.60%0.60%
7 Months1.00% 1.00%
9 Months1.15%1.15%
12 Months0.90%0.90%
13 Months1.30%1.31%
18 Months1.46%1.47%
24 Months1.30% 1.31%
36 Months1.35% 1.36%
48 Months1.46% 1.47%
60 Months1.51% 1.52%

These certificates are automatically renewable.

Penalty for early withdrawals.