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Deposit Rates

Interest checking, savings, CDs, IRAs, Money Market, HSAs.

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Home loans and home equity loans and lines of credit.

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Fixed-rate, adjustable (ARM),
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A fixed interest rate and monthly payment make this a simple and budget-friendly way to make home improvements or pay for big expenses.

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Competitive rates and terms up to 30 months, fast decisions, and fast funding.

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Deposit Rates

The following are the current interest rates available July 15, 2026.

Jump to: Checking Savings CDs & IRAs Print Rates

Checking Account Rates

Comparison table of Checking Accounts
APY1 Interest Rate Minimum to Open Minimum to Earn APY1
idLOCK Plus Checking $25,000 and greater* 0.05% 0.05% $50 $25,000.00

* This is a variable rate account. The rate may change after the account is opened. Fees may reduce earnings.

Savings Account Rates

Comparison table of Savings Account Rates
APY1 Interest Rate Minimum to Open Minimum to Earn APY1
Statement Savings 0.05% 0.05% $100 $100.00
Holiday Club 0.05% 0.05% $1 $100.00
Money Market 0.50% 0.50% $1,000 $1,000.00
Indexed Money Market $1,000 – $14,999 0.50% 0.50% $1,000 $1,000.00
Indexed Money Market $15,000 – $24,999 0.50% 0.50% $1,000 $15,000.00
Indexed Money Market $25,000 – $49,999 1.00% 1.00% $1,000 $25,000.00
Indexed Money Market $50,000 – $99,999 1.00% 1.00% $1,000 $50,000.00
Indexed Money Market $100,000 – $249,999 1.00% 1.00% $1,000 $100,000.00
Indexed Money Market $250,000 – $499,999 1.11% 1.10% $1,000 $250,000.00
Indexed Money Market $500,000 – $999,999 1.11% 1.10% $1,000 $500,000.00
Indexed Money Market $1,000,000 and greater 1.11% 1.10% $1,000 $1,000,000.00

CD Rate Specials

Comparison table of CD Rate Specials
APY1 Interest Rate Minimum to Open Minimum to Earn APY1
5 Month CD or IRA Special 3.39% 3.35% $1,000 $1,000.00
14 Month CD or IRA Special 3.34% 3.30% $1,000 $1,000.00
20 Month CD or IRA Special 3.30% 3.26% $1,000 $1,000.00
28 Month CD or IRA Special 3.30% 3.26% $1,000 $1,000.00
54 Month CD or IRA Special 3.31% 3.27% $1,000 $1,000.00

Certificates of Deposit Rates
(Personal and IRA)

Comparison table of Certificates of Deposit (CDs)
APY1 Interest Rate Minimum to Open Minimum to Earn APY1
90 - 181 Day CD or IRA 3.29% 3.25% $1,000 $1,000.00
6 - 11 Month CD or IRA 3.39% 3.35% $1,000 $1,000.00
12 - 17 Month CD or IRA 3.34% 3.30% $1,000 $1,000.00
18 - 23 Month CD or IRA 3.30% 3.26% $1,000 $1,000.00
24 - 29 Month CD or IRA 3.40% 3.36% $1,000 $1,000.00
30 - 35 Month CD or IRA 3.50% 3.45% $1,000 $1,000.00
36 - 47 Month CD or IRA 3.55% 3.50% $1,000 $1,000.00
48 - 59 Month CD or IRA 3.60% 3.55% $1,000 $1,000.00
60 Month CD or IRA 3.60% 3.55% $1,000 $1,000.00
84 Month CD or IRA 2.39% 2.37% $1,000 $1,000.00

Growth Certificate of Deposit Rates
 

Comparison table of Growth Certificate of Deposit (CD)
APY1 Interest Rate Minimum to Open Minimum to Earn APY1
$100 – $999.99* 0.10% 0.10% $100 $100.00
$1,000 – $9,999.99* 0.15% 0.15% $100 $1,000.00
$10,000 and greater* 2.02% 2.00% $100 $10,000.00

* This is a variable rate account and has a term of one year. The minimum to open and earn the APY is $100.00 Substantial penalty for early withdrawal. Assumes interest will remain on deposit until maturity

Other IRAs

Comparison table of Other IRAs
APY1 Interest Rate Minimum to Open Minimum to Earn APY1
IRA Builder 12-Month Variable Rate CD* 0.20% 0.20% $100 $100.00
Education IRA (Coverdell)* 0.20% 0.20% $100 $100.00

* This is a variable rate account and has a term of one year. The minimum to open and earn the APY is $100.00 Substantial penalty for early withdrawal. Assumes interest will remain on deposit until maturity

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