Current rates
Checking—savings—CDs
All interest rates and annual percentage yields (APY) are current as of today’s date.
Checking accounts
Simply Checking
Balance requirement | Interest rate1 (%) | APY1 (%) |
| Any balance | 0.01 | 0.01 |
Savings accounts
Simply Savings
Balance requirement | Interest rate1 (%) | APY1 (%) |
$25.00 - $4,999.99 | 0.05 | 0.05 |
| $5,000.00 - $9,999.99 | 0.10 | 0.10 |
| $10,000.00 - $24,999.99 | 0.25 | 0.25 |
| $25,000.00 - $49,999.99 | 0.35 | 0.35 |
| $50,000.00 - $99,999.99 | 0.55 | 0.55 |
| $100,000.00 and up | 0.75 | 0.75 |
Certificates of deposit (CDs)
Personal CDs2
| Term | Interest rate (%) | APY (%) |
| 12 month | 2.71 | 2.75 |
| 18 month | 2.52 | 2.55 |
This page was last updated on October 1, 2025.
1 The interest rate and annual percentage yield (APY) are variable and subject to change after the account is opened. Fees may reduce earnings on the account.
2 A minimum balance of $1,000.00 for 12 and 18 month terms is required to earn the disclosed annual percentage yield (APY). A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.
2 A minimum balance of $1,000.00 for 12 and 18 month terms is required to earn the disclosed annual percentage yield (APY). A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.