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Deposit Rates

The following are the current interest rates available May 27, 2026.

Jump to: Checking Savings CDs & IRAs

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%	$50.00	$25,000.00

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%	$100.00	$100.00
Holiday Club	0.05%	0.05%	$1.00	$100.00
Money Market	0.50%	0.50%	$1,000.00	$1,000.00
Indexed Money Market $1,000 – $14,999	0.50%	0.50%	$1,000.00	$1,000.00
Indexed Money Market $15,000 – $24,999	0.50%	0.50%	$1,000.00	$15,000.00
Indexed Money Market $25,000 – $49,999	1.00%	1.00%	$1,000.00	$25,000.00
Indexed Money Market $50,000 – $99,999	1.00%	1.00%	$1,000.00	$50,000.00
Indexed Money Market $100,000 – $249,999	1.00%	1.00%	$1,000.00	$100,000.00
Indexed Money Market $250,000 – $499,999	1.11%	1.10%	$1,000.00	$250,000.00
Indexed Money Market $500,000 – $999,999	1.11%	1.10%	$1,000.00	$500,000.00
Indexed Money Market $1,000,000 and greater	1.11%	1.10%	$1,000.00	$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%	$1,000.00	$1,000.00
14 Month CD or IRA Special	3.34%	3.30%	$1,000.00	$1,000.00
20 Month CD or IRA Special	3.30%	3.26%	$1,000.00	$1,000.00
28 Month CD or IRA Special	3.30%	3.26%	$1,000.00	$1,000.00
54 Month CD or IRA Special	3.31%	3.27%	$1,000.00	$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%	$1,000.00	$1,000.00
6 - 11 Month CD or IRA	3.39%	3.35%	$1,000.00	$1,000.00
12 - 17 Month CD or IRA	3.34%	3.30%	$1,000.00	$1,000.00
18 - 23 Month CD or IRA	3.30%	3.26%	$1,000.00	$1,000.00
24 - 29 Month CD or IRA	3.40%	3.36%	$1,000.00	$1,000.00
30 - 35 Month CD or IRA	3.50%	3.45%	$1,000.00	$1,000.00
36 - 47 Month CD or IRA	3.55%	3.50%	$1,000.00	$1,000.00
48 - 59 Month CD or IRA	3.60%	3.55%	$1,000.00	$1,000.00
60 Month CD or IRA	3.60%	3.55%	$1,000.00	$1,000.00
84 Month CD or IRA	2.39%	2.37%	$1,000.00	$1,000.00

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%	$100.00	$100.00
Education IRA (Coverdell)	0.20%	0.20%	$100.00	$100.00

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