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CURRENT RATES

Personal Checking Rates

 

 

Dream Big Checking*

Simply Checking

Reserve Checking

50+ Checking¹

Minimum deposit to open

$100

$50

$100

$100

Interest Rate / APY - balances of $0.01 through $15,000.00

1.98% / 2.00%
(If qualified*)

N/A

0.10% / 0.10%

0.10% / 0.10%

Interest Rate / APY - balances of $15,000.01 & above

0.15% / blended - 2.00% - 0.42%**(If qualified)

N/A

0.10% / 0.10%

0.10% / 0.10%

Monthly Service Charge

N/A

N/A

$4

N/A

Minimum daily collected balance required to waive monthly service charge

$0

$0

$1,000

$0

 

Interest rates and annual percentage yields (APYs) are current as of December 1, 2018. Interest rates and APYs may change at any time at the bank's discretion. Interest is calculated on the daily collected balance and is compounded and credited monthly. Fees may reduce earnings. Refer to our Schedule of Fees for information on other fees that may apply.

*Non-qualifying accounts will earn 0.01%/0.01% interest rate/APY on all balances. To obtain the higher APYs in the Dream Big Checking account, you must meet 3 qualifications: 1) Have at least 12 debit card point-of-sale (POS) purchases post and clear within a qualification cycle; 2) Have at least 1 direct deposit or automatic payment post and clear within a qualification cycle; AND 3) Enroll in online banking and receive electronic statements to a valid e-mail address. The qualification cycle begins on the last day of the previous statement cycle and ends on the last business day before the next statement cycle ends. This statement cycle ends on the 25th of each month. If the 25th falls on a weekend or bank holiday, the statement cycle would end on the previous business day. An individual business determines the timing of processing of its POS transactions. Therefore, the bank has no control over the date items post to an account. Refer to the full Dream Big Checking account disclosure for further information.

**Range varies depending on account balance.

¹At least one account holder must be 50 years of age at time of account opening.