Interest rates 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%

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