Savings & CDs
Put your cash to work at 4.35% APY
No minimum balance, no monthly fee and rates that rank in the top 5% nationally. Ladder CDs for guaranteed returns or stay liquid with money market access.
- Automatic savings rules and round-ups
- DIC insured to $250,000 per depositor
- Withdraw from money market with a debit card
- Rate-lock guarantee for 10 days on new CDs
Value at maturity
$27,268.13
+$2,268.13 interest earned
Deposit products
Pick the balance of access and yield you want
High-Yield Savings
Top-tier APY with full liquidity, automatic transfers and savings goals.
4.35% APY
Certificates of Deposit
Guaranteed returns from 6 to 60 months with a 10-day rate lock.
Up to 4.50% APY
Money Market
Tiered rates that rise with balance, plus check writing and a debit card.
4.10% APY
Current rates
Today's deposit rates
| CD term | APY | Minimum |
|---|---|---|
| 6 months | 4.10% | $1,000 |
| 12 months | 4.50% | $1,000 |
| 24 months | 4.35% | $1,000 |
| 36 months | 4.15% | $2,500 |
| 60 months | 4.00% | $2,500 |
Early withdrawal penalties apply. APY accurate as of today.
| Money market tier | APY | Balance |
|---|---|---|
| Tier 1 | 3.40% | $0 – $24,999 |
| Tier 2 | 3.95% | $25,000 – $99,999 |
| Tier 3 | 4.10% | $100,000 – $499,999 |
| Tier 4 | 4.20% | $500,000+ |
Rates are variable and may change after account opening.
Automatic saving
Build the habit without thinking about it
Set a savings rule
Move a fixed amount every payday, or round up card purchases to the nearest dollar.
Saving $250 twice a month at 4.35% APY grows to about $19,080.01 in three years.
CD ladder strategy
Split a deposit across 12, 24 and 36-month terms so a portion matures every year while the rest keeps earning longer-term rates.
Start earning this week
Fund a high-yield savings account or lock a CD rate in about five minutes.