Interest rates and Annual Percentage Yield effective as of March 11, 2021. 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 $2,500 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 0.20% 0.20%
9 Months 0.26% 0.26%
12 Months 0.30% 0.30%
13 Months 0.40% 0.40%
16 Months 0.52% 0.52%
24 Months 0.51% 0.51%
36 Months 0.56% 0.56%
48 Months 0.60% 0.60%
60 Months 0.71% 0.71%

 

Minimum opening deposit: $1,000.00

These certificates are automatically renewable. Penalty for early withdrawal