Deposit Account Rates

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Effective as of November 17, 2022

All rates and terms for certificates of deposit & individual retirement accounts (IRAs)

 

TERM Online Application $1,000-$24,999.99 APY* $25,000 & OVER APY*

6 months

Open Online 1.26% 1.36%
9 months   3.29% 3.39%
10 months   1.31% 1.41%
11 months   1.36% 1.46%

12 months

Open Online 1.36% 1.46%
13 months   3.44% 3.55%
15 months   1.41% 1.51%
15 months Access** (CD only)   1.51% $10,000 min to open (new money)
16 months   1.41% 1.51%
17 months   1.46% 1.56%

18 months

  1.46% 1.56%
19 months   1.51% 1.61%
20 months   1.51%  1.61%
23 months   1.51% 1.61%
24 months Open Online 1.61%  1.71%
27 months   1.61% 1.71%
30 months   1.81% 1.91%
36 months   1.86% 1.96%
48 months Open Online 1.86% 1.96%
60 months Open Online 1.91% 2.02%
24-Month Rising Rate CD
First 15 Months Interest Rate Following 9 Months Interest Rate Blended 24-Month APY*
3.25% 4.25% 3.68%

$1,000 Minimum to open

10-day grace period for penalty-free withdrawals at the conclusion of each interest period.

Variable Rate Individual Retirement Accounts

18 month Variable***   1.36% 1.46%

 

Current rates apply to new CDs and renewals at maturity only.

*The Annual Percentage Yield (APY) is based on quarterly compounding. Unless otherwise noted, you must maintain a minimum balance of $1,000 to open the account and obtain the APY. Penalty for early withdrawal, which may reduce earnings.

**The Access CD offers a guaranteed annual percentage yield with the flexibility of penalty free withdrawals. Withdrawals made during the 6 days after opening or 6 days after each subsequent withdrawal will be assessed a penalty, which may reduce earnings. Requires $10,000 minimum to open

***Variable Rate IRA rate is subject to change after the account is opened. No minimum balance required to open account or obtain APY.

 

 

Effective as of November 17, 2022

Checking account rates

Simply Free Plus checking

$1000 minimum to open
(when activity requirements met)** 

Balance Interest Rate APY Range*
$0.01 to $100,000 2.25% 2.27%
Over $100,000 0.70% 0.86%–2.28%

 

Simply Free Platinum checking

Suggested opening deposit of $50

Balance Interest Rate APY*
$100 to $4,999.99 0.15% 0.15%
$5,000 to $9,999.99 0.40% 0.40%
$10,000 to $24,999.99 0.50% 0.50%
$25,000 and over 0.60% 0.60%

You must maintain a daily minimum balance of $100 to obtain the APY.

*The Annual Percentage Yield (APY) is based on monthly compounding. Rates subject to change at any time. Special restrictions may apply. Minimum opening balance is $1000 unless noted otherwise. Fees may reduce earnings.

**Statement cycle activity requirements: 12 debit card purchases posted (excludes ATM transactions), receive e-Statements via online banking (requires ongoing valid email address), access online banking, direct deposit posted.

Effective as of November 17, 2022

Money market and savings rates

Value Edge Money Market Account

$10,000 minimum to open

Balance Interest Rate APY*
Less than $10,000 0.85% 0.85%
$10,000 to $49,999.99 1.25% 1.26%
$50,000 to $249,999.99 1.55% 1.56%
$250,000 to $499,999.99 1.95% 1.97%
$500,000 and over 2.40% 2.43%

 

Simply Savings account

Suggested opening deposit of $25

Balance Interest Rate APY*
$0.01 or more 0.40% 0.40%

 

Simply Savings Student account

Suggested opening deposit of $25

Balance Interest Rate APY*
$0.01 or more 0.40% 0.40%

 

*The Annual Percentage Yield (APY) is based on monthly compounding. Rates subject to change at any time. Special restrictions may apply. Fees may reduce earnings.

Effective as of October 1, 2022

Health savings account rates

Balance Interest Rate APY*
Less than $2,500 0.05% 0.05%
$2,500 to $9,999 0.60% 0.60%
$10,000 to $24,999.99 0.90% 0.90%
$25,000 and over 1.20% 1.21%

*The Annual Percentage Yield (APY) is based on monthly compounding. Rates subject to change at any time. Special restrictions may apply. Fees may reduce earnings.

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