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Deposit Rates

Checking Accounts1

Account Minimum Opening Deposit Balance Required to Obtain APY Interest Rate APY1
Personal Interest Checking5 $25 $0.01 or more 0.05% 0.05%
MaxEarnings Checking5 $25 $0.01 - $5,000.00
$5,000.01 or more
4.89%
0.05%
5.00%
5.00-0.05%2
Micro Business MaxEarnings Checking5 $25 $0.01 - $5,000.00
$5,000.01 or more
4.89%
0.05%
5.00%
5.00-0.05%2
 

Savings Accounts1

Account Minimum Opening Deposit Balance Required to Obtain the APY Interest Rate APY1
Everyday Saver5 $25 $0.01 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 or more
0.05%
0.15%
0.20%
0.05%
0.15%
0.20%
MaxEarnings Saver5 $25 $0.01 - $24,999.99
$25,000 or more
0.20%
0.05%
0.20%
0.20 - 0.08%3
Anytime Savers Club5 $10 no minimum 0.03% 0.03%
Student Saver5 $25 no minimum 0.05% 0.05%
Business Savings5 $100 $100.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 or more
0.05%
0.15%
0.20%
0.05%
0.15%
0.20%
 

Individual Retirement Accounts4,5

APY is based on a balance of $1,000.

Account Minimum Opening Deposit Balance Required to Obtain the APY Interest Rate APY4
12 Month IRA/Roth $1,000 $1,000 - $49.999
$50,000 - $99,999
$100,000 - $249,999
2.48%
2.97%
3.36%
2.50%
3.00%
3.40%
24 Month IRA/Roth $1,000 $1,000 - $49.999
$50,000 - $99,999
$100,000 - $249,999
1.15%
1.39%
1.54%
1.15%
1.40%
1.55%
48 Month IRA/Roth $1,000 $1,000 - $49.999
$50,000 - $99,999
$100,000 - $249,999
1.05%
1.29%
1.39%
1.05%
1.30%
1.40%
60 Month IRA/Roth $1,000 $1,000 - $49.999
$50,000 - $99,999
$100,000 - $249,999
1.00%
1.24%
1.34%
1.00%
1.25%
1.35%

 

Certificates of Deposit4,5,6

Minimum to open is $1,000.

Account Minimum Opening Deposit Balance Required to Obtain the APY Interest Rate APY4
3 Months $1,000 $0.01 - $49,999.99
$50,000 - $99,999.99
$100,000 - $249,999.99
0.50%
0.75%
1.00%
0.50%
0.75%
1.00%
6 Months $1,000 $0.01 - $49.999.99
$50,000 - $99,999.99
$100,000 - $249,999.99
1.99%
2.48%
3.21%
2.00%
2.50%
3.25%
9 Months $1,000 $0.01 - $49.999.99
$50,000 - $99,999.99
$100,000 - $249,999.99
2.23%
2.72%
3.45%
2.25%
2.75%
3.49%
12 Months $1,000 $0.01 - $49.999.99
$50,000 - $99,999.99
$100,000 - $249,999.99
2.48%
2.97%
3.36%
2.50%
3.00%
3.40%
18 Months $1,000 $0.01 - $49.999.99
$50,000 - $99,999.99
$100,000 - $249,999.99
1.24%
1.49%
1.64%
1.25%
1.50%
1.65%
24 Months $1,000 $0.01 - $49.999.99
$50,000 - $99,999.99
$100,000 - $249,999.99
1.15%
1.39%
1.54%
1.15%
1.40%
1.55%
36 Months $1,000 $0.01 - $49.999.99
$50,000 - $99,999.99
$100,000 - $249,999.99
1.10%
1.34%
1.44%
1.10%
1.35%
1.45%
48 Months $1,000 $0.01 - $49.999.99
$50,000 - $99,999.99
$100,000 - $249,999.99
1.05%
1.29%
1.39%
1.05%
1.30%
1.40%
60 Months $1,000 $0.01 - $49.999.99
$50,000 - $99,999.99
$100,000 - $249,999.99
1.00%
1.24%
1.34%
1.00%
1.25%
1.35%

 

Money Market Accounts1

Account   Balance Required to Obtain the APY Interest Rate APY1
Personal Money Market5   $2,500.00 - $99,999.99
$100,000.00 - $249,999.00
$250,000.00 - $999,999.99
$1,000,000.00 - $4,999,999.99
$5,000,000.00 or more
0.05%
0.10%
0.15%
0.30%
0.45%
0.05%
0.10%
0.15%
0.30%
0.45%
Personal Relationship Money Market5   $2,500.00 - $99,999.99
$100,000.00 - $249,999.99
$250,000.00 - $999,999.99
$1,000,000.00 - $4,999,999.99
$5,000,000.00 or more
0.50%
0.65%
1.07%
1.29%
2.11%
0.50%
0.65%
1.08%
1.30%
2.13%
Business Money Market5   $2,500.00 - $99,999.99
$100,000.00 - $249,999.99
$250,000.00 - $999,999.99
$1,000,000.00 - $4,999,999.99
$5,000,000.00 or more
0.05%
0.50%
0.75%
1.44%
2.11%
0.05%
0.50%
0.75%
1.45%
2.13%
Business Relationship Money Market5   $2,500.00 - $99,999.99 0.25% 0.25%
$100,000.00 - $249,999.99 0.60% 0.60%
$250,000.00 - $999,999.99 1.00%
1.00%
$1,000,000.00 - $4,999,999.99
$5,000,000.00 or more
2.47%
3.44%
2.50%
3.50%
 

Checking Accounts1

Personal Interest Checking5

Minimum Opening Deposit
$25

Balance Required to Obtain APY
$0.01 or more

Interest Rate
0.05%

APY
0.05%

MaxEarnings Checking5

Minimum Opening Deposit
$25

Balance Required to Obtain APY
$0.01 - $5,000.00

Interest Rate
4.89%

APY
5.00%

Balance Required to Obtain APY
$5,000.01 or more

Interest Rate
0.05%

APY
5.00-0.05%2

Micro Business MaxEarnings Checking5

Minimum Opening Deposit
$25

Balance Required to Obtain APY
$0.01 - $5,000.00

Interest Rate
4.89%

APY
5.00%

Balance Required to Obtain APY
$5,000.01 or more

Interest Rate
0.05%

APY
5.00-0.05%2

Money Market Accounts1

Personal Money Market5

Balance Required to Obtain APY
$2,500.00 - $99,999.99

Interest Rate
0.05%

APY
0.05%

Balance Required to Obtain APY
$100,000.00 - $249,999.00

Interest Rate
0.10%

APY
0.10%

Balance Required to Obtain APY
$250,000.00 - $999,999.99

Interest Rate
0.15%

APY
0.15%

Balance Required to Obtain APY
$1,000,000.00 - $4,999,999.99

Interest Rate
0.30%

APY
0.30%

Balance Required to Obtain APY
$5,000,000.00 or more

Interest Rate
0.45%

APY
0.45%

Personal Relationship Money Market5

Balance Required to Obtain APY
$2,500.00 - $99,999.99

Interest Rate
0.50%

APY
0.50%

Balance Required to Obtain APY
$100,000.00 - $249,999.99

Interest Rate
0.65%

APY
0.65%

Balance Required to Obtain APY
$250,000.00 - $999,999.99

Interest Rate
1.07%

APY
1.08%

Balance Required to Obtain APY
$1,000,000.00 - $4,999,999.99

Interest Rate
1.29%

APY
1.30%

Balance Required to Obtain APY
$5,000,000.00 or more

Interest Rate
2.11%

APY
2.13%

Business Money Market5

Balance Required to Obtain APY
$2,500.00 - $99,999.99

Interest Rate
0.05%

APY
0.05%

Balance Required to Obtain APY
$100,000.00 - $249,999.99

Interest Rate
0.50%

APY
0.50%

Balance Required to Obtain APY
$250,000.00 - $999,999.99

Interest Rate
0.75%

APY
0.75%

Balance Required to Obtain APY
$1,000,000.00 - $4,999,999.99

Interest Rate
1.44%

APY
1.45%

Balance Required to Obtain APY
$5,000,000.00 or more

Interest Rate
2.11%

APY
2.13%

Business Relationship Money Market5

Balance Required to Obtain APY
$2,500.00 - $99,999.99

Interest Rate
0.25%

APY
0.25%

Balance Required to Obtain APY
$100,000.00 - $249,999.99

Interest Rate
0.60%

APY
0.60%

Balance Required to Obtain APY
$250,000.00 - $999,999.99

Interest Rate
1.00%

APY
1.00%

Balance Required to Obtain APY
$1,000,000.00 - $4,999,999.99

Interest Rate
2.47%

APY
2.50%

Balance Required to Obtain APY
$5,000,000.00 or more

Interest Rate
3.44%

APY
3.50%

Savings Accounts1

Everyday Saver5

Minimum Opening Deposit
$25

Balance Required to Obtain APY
$0.01 - $49,999.99

Interest Rate
0.05%

APY
0.05%

Balance Required to Obtain APY
$50,000.00 - $99,999.99

Interest Rate
0.15%

APY
0.15%

Balance Required to Obtain APY
$100,000.00 or more

Interest Rate
0.20%

APY
0.20%

MaxEarnings Saver5

Minimum Opening Deposit
$25

Balance Required to Obtain APY
$0.01 - $24,999.99

Interest Rate
0.20%

APY
0.20%

Balance Required to Obtain APY
$25,000 or more

Interest Rate
0.05%

APY
0.20 - 0.08%3

Anytime Savers Club5

Minimum Opening Deposit
$10

Balance Required to Obtain APY
no minimum

Interest Rate
0.03%

APY
0.03%

Student Saver5

Minimum Opening Deposit
$25

Balance Required to Obtain APY
no minimum

Interest Rate
0.05%

APY
0.05%

Business Savings5

Minimum Opening Deposit
$100

Balance Required to Obtain APY
$100.00 - $49,999.99

Interest Rate
0.05%

APY
0.05%

Balance Required to Obtain APY
$50,000.00 - $99,999.99

Interest Rate
0.15%

APY
0.15%

Balance Required to Obtain APY
$100,000.00 or more

Interest Rate
0.20%

APY
0.20%

Certificates of Deposit4,5

APY is based on a balance of $1,000.

3 Months

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$1,000 - $49,999

Interest Rate
0.50%

APY
0.50%

Balance Required to Obtain APY
$50,000 - $99,999

Interest Rate
0.75%

APY
0.75%

Balance Required to Obtain APY
$100,000 - $249,999

Interest Rate
1.00%

APY
1.00%

6 Months

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$1,000 - $49,999

Interest Rate
1.99%

APY
2.00%

Balance Required to Obtain APY
$50,000 - $99,999

Interest Rate
2.48%

APY
2.50%

Balance Required to Obtain APY
$100,000 - $249,999

Interest Rate
3.21%

APY
3.25%

9 Months

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$1,000 - $49,999

Interest Rate
2.23%

APY
2.25%

Balance Required to Obtain APY
$50,000 - $99,999

Interest Rate
2.72%

APY
2.75%

Balance Required to Obtain APY
$100,000 - $249,999

Interest Rate
3.45%

APY
3.49%

12 Months

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$1,000 - $49,999

Interest Rate
2.48%

APY
2.50%

Balance Required to Obtain APY
$50,000 - $99,999

Interest Rate
2.97%

APY
3.00%

Balance Required to Obtain APY
$100,000 - $249,999

Interest Rate
3.36%

APY
3.40%

18 Months

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$1,000 - $49,999

Interest Rate
1.24%

APY
1.25%

Balance Required to Obtain APY
$50,000 - $99,999

Interest Rate
1.49%

APY
1.50%

Balance Required to Obtain APY
$100,000 - $249,999

Interest Rate
1.64%

APY
1.65%

24 Months

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$1,000 - $49,999

Interest Rate
1.15%

APY
1.15%

Balance Required to Obtain APY
$50,000 - $99,999

Interest Rate
1.39%

APY
1.40%

Balance Required to Obtain APY
$100,000 - $249,999

Interest Rate
1.54%

APY
1.55%

36 Months

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$1,000 - $49,999

Interest Rate
1.10%

APY
1.10%

Balance Required to Obtain APY
$50,000 - $99,999

Interest Rate
1.34%

APY
1.35%

Balance Required to Obtain APY
$100,000 - $249,999

Interest Rate
1.44%

APY
1.45%

48 Months

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$1,000 - $49,999

Interest Rate
1.05%

APY
1.05%

Balance Required to Obtain APY
$50,000 - $99,999

Interest Rate
1.29%

APY
1.30%

Balance Required to Obtain APY
$100,000 - $249,999

Interest Rate
1.39%

APY
1.40%

60 Months

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$1,000 - $49,999

Interest Rate
1.00%

APY
1.00%

Balance Required to Obtain APY
$50,000 - $99,999

Interest Rate
1.24%

APY
1.25%

Balance Required to Obtain APY
$100,000 - $249,999

Interest Rate
1.34%

APY
1.35%

Individual Retirement Accounts4,5

APY is based on a balance of $1,000.

12 Month IRA/Roth

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$1,000 - $49,999

Interest Rate
2.48%

APY
2.50%

Balance Required to Obtain APY
$50,000 - $99,999

Interest Rate
2.97%

APY
3.00%

Balance Required to Obtain APY
$100,000 - $249,999

Interest Rate
3.36%

APY
3.40%

24 Month IRA/Roth

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$1,000 - $49,999

Interest Rate
1.15%

APY
1.15%

Balance Required to Obtain APY
$50,000 - $99,999

Interest Rate
1.39%

APY
1.40%

Balance Required to Obtain APY
$100,000 - $249,999

Interest Rate
1.54%

APY
1.55%

48 Month IRA/Roth

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$1,000 - $49,999

Interest Rate
1.05%

APY
1.05%

Balance Required to Obtain APY
$50,000 - $99,999

Interest Rate
1.29%

APY
1.30%

Balance Required to Obtain APY
$100,000 - $249,999

Interest Rate
1.39%

APY
1.40%

60 Month IRA/Roth

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$1,000 - $49,999

Interest Rate
1.00%

APY
1.00%

Balance Required to Obtain APY
$50,000 - $99,999

Interest Rate
1.24%

APY
1.25%

Balance Required to Obtain APY
$100,000 - $249,999

Interest Rate
1.34%

APY
1.35%

Certificates of Deposit4,5, 6

Minimum to open is $1,000.

3 Months

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$0.01 - $49,999.99

Interest Rate
0.50%

APY4
0.50%

Balance Required to Obtain APY
$50,000 - $99,999.99

Interest Rate
0.75%

APY4
0.75%

Balance Required to Obtain APY
$100,000 - $249,999.99

Interest Rate
1.00%

APY4
1.00%

6 Months

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$0.01 - $49,999.99

Interest Rate
1.99%

APY4
2.00%

Balance Required to Obtain APY
$50,000 - $99,999.99

Interest Rate
2.48%

APY4
2.50%

Balance Required to Obtain APY
$100,000 - $249,999.99

Interest Rate
3.21%

APY4
3.25%

9 Months

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$0.01 - $49,999.99

Interest Rate
2.23%

APY4
2.25%

Balance Required to Obtain APY
$50,000 - $99,999.99

Interest Rate
2.72%

APY4
2.75%

Balance Required to Obtain APY
$100,000 - $249,999.99

Interest Rate
3.45%

APY4
3.49%

12 Months

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$0.01- $49,999.99

Interest Rate
2.48%

APY4
2.50%

Balance Required to Obtain APY
$50,000 - $99,999.99

Interest Rate
2.97%

APY4
3.00%

Balance Required to Obtain APY
$100,000 - $249,999.99

Interest Rate
3.36%

APY4
3.40%

18 Months

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$0.01- $49,999.99

Interest Rate
1.24%

APY4
1.25%

Balance Required to Obtain APY
$50,000 - $99,999.99

Interest Rate
1.49%

APY4
1.50%

Balance Required to Obtain APY
$100,000 - $249,999.99

Interest Rate
1.64%

APY4
1.65%

24 Months

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$0.01- $49,999.99

Interest Rate
1.15%

APY4
1.15%

Balance Required to Obtain APY
$50,000 - $99,999.99

Interest Rate
1.39%

APY4
1.40%

Balance Required to Obtain APY
$100,000 - $249,999.99

Interest Rate
1.54%

APY4
1.55%

36 Months

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$0.01- $49,999.99

Interest Rate
1.10%

APY4
1.10%

Balance Required to Obtain APY
$50,000 - $99,999.99

Interest Rate
1.34%

APY4
1.35%

Balance Required to Obtain APY
$100,000 - $249,999.99

Interest Rate
1.44%

APY4
1.45%

48 Months

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$0.01- $49,999.99

Interest Rate
1.05%

APY4
1.05%

Balance Required to Obtain APY
$50,000 - $99,999.99

Interest Rate
1.29%

APY4
1.30%

Balance Required to Obtain APY
$100,000 - $249,999.99

Interest Rate
1.39%

APY4
1.40%

60 Months

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$0.01- $49,999.99

Interest Rate
1.00%

APY4
1.00%

Balance Required to Obtain APY
$50,000 - $99,999.99

Interest Rate
1.24%

APY4
1.25%

Balance Required to Obtain APY
$100,000 - $249,999.99

Interest Rate
1.34%

APY4
1.35%

Money Market Accounts1

Personal Money Market5

Balance Required to Obtain APY
$2,500.00 - $99,999.99

Interest Rate
0.05%

APY
0.05%

Balance Required to Obtain APY
$100,000.00 - $249,999.00

Interest Rate
0.10%

APY
0.10%

Balance Required to Obtain APY
$250,000.00 - $999,999.99

Interest Rate
0.15%

APY
0.15%

Balance Required to Obtain APY
$1,000,000.00 - $4,999,999.99

Interest Rate
0.30%

APY
0.30%

Balance Required to Obtain APY
$5,000,000.00 or more

Interest Rate
0.45%

APY
0.45%

Personal Relationship Money Market5

Balance Required to Obtain APY
$2,500.00 - $99,999.99

Interest Rate
0.50%

APY
0.50%

Balance Required to Obtain APY
$100,000.00 - $249,999.99

Interest Rate
0.65%

APY
0.65%

Balance Required to Obtain APY
$250,000.00 - $999,999.99

Interest Rate
1.07%

APY
1.08%

Balance Required to Obtain APY
$1,000,000.00 - $4,999,999.99

Interest Rate
1.29%

APY
1.30%

Balance Required to Obtain APY
$5,000,000.00 or more

Interest Rate
2.11%

APY
2.13%

Business Money Market5

Balance Required to Obtain APY
$2,500.00 - $99,999.99

Interest Rate
0.05%

APY
0.05%

Balance Required to Obtain APY
$100,000.00 - $249,999.99

Interest Rate
0.50%

APY
0.50%

Balance Required to Obtain APY
$250,000.00 - $999,999.99

Interest Rate
0.75%

APY
0.75%

Balance Required to Obtain APY
$1,000,000.00 - $4,999,999.99

Interest Rate
1.44%

APY
1.45%

Balance Required to Obtain APY
$5,000,000.00 or more

Interest Rate
2.11%

APY
2.13%

Business Relationship Money Market5

Balance Required to Obtain APY
$2,500.00 - $99,999.99

Interest Rate
0.25%

APY
0.25%

Balance Required to Obtain APY
$100,000.00 - $249,999.99

Interest Rate
0.60%

APY
0.60%

Balance Required to Obtain APY
$250,000.00 - $999,999.99

Interest Rate
1.00%

APY
1.00%

Balance Required to Obtain APY
$1,000,000.00 - $4,999,999.99

Interest Rate
2.47%

APY
2.50%

Balance Required to Obtain APY
$5,000,000.00 or more

Interest Rate
3.44%

APY
3.50%

DISCLOSURES

Accounts enrolled to receive electronic statements only will not incur a statement fee. A $2 paper statement fee will be charged per statement cycle effective 10/1/22. Must be currently enrolled in PSBT Online Banking in order to receive eStatements.
 
(1) Annual Percentage Yields (APYs) and interest rates are variable and may change at any time including after account is opened. APYs and interest rates are accurate as of 06.21.2025. You may contact any branch location to obtain the most current rate and APY information. Fees may reduce earnings.

(2) Balances over $5,000 earn 0.05% interest rate on the portion of the balance over $5,000, resulting in a range from 5.00% to 0.05% APY depending on the balance. This range assumes a $5,000.01 - $110,000 account balance, although higher balances are accepted.

(3) Balances over $25,000 earn 0.05% interest rate on the portion of balance over $25,000, resulting in a range from 0.20% - 0.08% APY, depending on the balance. This range assumes a $25,000.01 - $110,000 account balance, although higher balances are accepted.

(4) Annual Percentage Yields (APYs) and interest rates are accurate as of 06.21.2025. You must maintain a minimum daily balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. A penalty may be imposed for early withdrawal. 

(5) To view complete account details, please click on the account name.

(6) A withdrawal along with any penalties imposed may reduce earnings.

POSITIVE PAY

Enrolling is simple! 

Within online banking select Statement Delivery from the Settings menu. Choose Electronic Statements as your Delivery Preference, click "I Accept" and hit Submit. You're all set!

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