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