Find the best interest rate for your long-term investment
The interest rates on accounts may be changed at any time at our discretion. Fees may reduce earnings. APY = Annual Percentage Yield.
Checking Accounts
Interest rates and Annual Percentage Yield effective as of March 11, 2021
| Account | Min. Opening Deposit | Min. Balance to Obtain APY | APY |
|---|---|---|---|
| Gold Owl Checking | $50.00 | N/A | 0.05% |
| BSB Club Checking | $50.00 | N/A | 0.05% |
| Business Checking with Interest | $50.00 | N/A | 0.05% |
| Premium Checking Account |
$1000.00 | $1,000 - $2,499.99 | 0.05% |
| Premium Checking Account |
$1000.00 | $2,500+ | 0.05% |
| Freedom Account |
$50.00 | Up to $2,499.99 | 0.10% |
| Freedom Account |
$50.00 | $2,500+ | 0.25% |
The balance to earn the rate is the Average Daily Balance, as applicable
Savings Accounts
| Account | Min. Opening Deposit | APY |
|---|---|---|
| Statement Savings | $50.00 | 0.10% |
| Cool Owl Kids Club | $1.00 | 0.20% |
| Christmas Club | $1.00 | *0.25% |
IRA (Individual Retirement Accounts)
Interest rates and *Annual Percentage Yield effective as of January 9, 2025
| Term | Interest Rate | APY* |
|---|---|---|
| 12 months | 3.94% | 4.00% |
Minimum opening deposit $100.00
IRAs are automatically renewable. A penalty may be imposed for early withdrawal.
IRAs are automatically renewable. A penalty may be imposed for early withdrawal.
CDs (Certificates of Deposit)
| Term | Interest Rate | APY |
|---|---|---|
| 6 months | 0.65 % | 0.65 % |
| 7 months | 4.26 % | 4.33 % |
| 9 months | 3.95 % | 4.01 % |
| 10 months | 4.15 % | 4.22 % |
| 12 months | 0.75% | 0.75% |
| 13 months | 4.01 % | 4.07 % |
| 16 months | 3.40 % | 3.44 % |
| 24 months | 1.05% | 1.05% |
| 36 months | 1.25% | 1.26% |
| 48 months | 1.31% | 1.32% |
| 60 months | 1.45% | 1.46% |
Effective date on rates - January 9, 2025
Minimum opening deposit: $1,000.00
APY = Annual Percentage Yield
These certificates are automatically renewable. A penalty may be imposed for early withdrawal.
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