Interest rates and Annual Percentage Yield effective as of August 2, 2023. The interest rates on accounts may be changed at any time at our discretion. Fees may reduce earnings. APY = Annual Percentage Yield.
Checking Accounts Learn More
| Minimum Opening Deposit | Minimum Balance to Obtain APY | APY | |
|---|---|---|---|
| Gold Owl Checking | $50 | n/a | 0.05% |
| BSB Club Checking | $50 | n/a | 0.05% |
| Business Checking with Interest | $50 | n/a | 0.05% |
| Premium Checking Account | $1,000 | $1,000 - $2,499.99 | 0.05% |
| Premium Checking Account | $1,000 | $2,500+ | 0.20% |
| Freedom Account | $50 | Up to $2,499 | 0.10% |
| Freedom Account | $50 | $2,500+ | 0.25% |
Balance to earn the rate is the Average Daily Balance, as applicable.
Savings Accounts Learn More
| Product | Minimum Opening Deposit | APY |
|---|---|---|
| Statement Savings | $50 | 0.10% |
| Cool Owl Kids Club | $1 | 0.20% |
| Christmas Club | $1 | *0.25% |
*APY earned only with auto-pay.
Certificates of Deposit Learn More
| Term | Interest Rate | APY |
| 6 Months | 0.65% | 0.65% |
7 Months |
4.91% |
5.00% |
9 Months |
5.01% |
5.10% |
10 Months |
5.36% |
5.47% |
| 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% |
Minimum opening deposit: $1,000.00
These certificates are automatically renewable. Penalty for early withdrawal