Current Personal Account Rates

View rates on all of our personal banking solutions, from Savings and Checking Accounts to Auto and Home Loans.

A woman doing taxes at home.

Savings Accounts

Savings Interest RatesAPY*
Emergency Savings5.00%
Freedom Savings0.10%
Preferred Savings1.00%
Signature Savings2.15%
Investor Savings3.00%
IRA Savings Account0.10%
Minimum to open: $10

Checking Accounts

Preferred Checking

Account BalanceAPY*
$9,999.99 or below0.01%
$10,000.00 — $24,999.990.02%
$25,000.00 — $49,999.990.03%
$50,000.00+0.04%
Minimum to open: $25

Signature Checking

Account BalanceAPY*
$9,999.99 or below0.05%
$10,000.00 — $24,999.990.10%
$25,000.00 — $49,999.990.15%
$50,000.00+0.20%
Minimum to open: $25

Certificates of Deposit (CD)**

CD Rates

TypeAPY*
3-Month CD1.12%
6-Month CD3.75%
12-Month CD1.74%
24-Month CD1.74%
36-Month CD2.83%
48-Month CD2.90%
60-Month CD2.97%
Minimum to open: $1,000

Add-Ons

TypeAPY*
6-Month Add-On CD3.75%
12-Month Add-On CD1.74%
Minimum to open: $1,000

Specials

TypeAPY*
7-Month CD Special3.75%
7-Month CD Special with Signature Credit Card4.00%
Minimum to open: $1,000

Credit Cards

Credit CardsAPR***
Secured Credit Card
starting at
18.00%
Visa Signature® Credit Card
starting at
18.00%
Cash Back Visa® Credit Card
starting at
13.74%

Loans and Lines of Credit

Vehicle Loans

New CarAPR***
36 Months4.290%
72 Months5.200%
48 Months4.590%
60 Months5.000%
Used CarAPR***
72 Months5.500%
48 Months4.990%
36 Months4.790%
60 Months5.350%
Other VehiclesAPR***
Motorcycle, Boat, and RV (Used)7.800%
Motorcycle, Boat, and RV (New)7.350%

Mortgages

Fixed RateRateAPR***Points
15 Year Fixed
180 months at 5.250% (5.487% APR) for a $250,000 loan would result in a monthly payment of $2,009.69.
5.250%5.487%0.820
20 Year Fixed
240 months at 6.000% (6.161% APR) for a $250,000 loan would result in a monthly payment of $1,791.08.
6.000%6.161%0.569
30 Year Fixed
360 months at 6.250% (6.373% APR) for a $250,000 loan would result in a monthly payment of $1,539.29.
6.250%6.373%0.783
Jumbo RateRateAPR***Points
15 Year Jumbo Mortgage
180 months at 4.875% (5.033% APR) for a $726,200 loan would result in a monthly payment of $5,695.57.
4.875%5.033%0.820
20 Year Jumbo Mortgage
240 months at 5.625% (5.721% APR) for a $726,200 loan would result in a monthly payment of $5,046.85.
5.625%5.721%0.569
30 Year Jumbo Mortgage
360 months at 5.875% (5.968% APR) for a $726,200 loan would result in a monthly payment of $4,295.75.
5.875%5.968%0.783
ARM RateRateAPR***Points
10/6 ARM
For a 30-year loan of $500,000.00, you would make 60 payments of $3,038.05 at 6.125% (6.512% APR), followed by 300 payments based on the then-current variable rate.
6.125%6.512%0.548
5/5 ARM
For a 30-year loan of $500,000.00, you would make 60 payments of $2,997.75 at 6.000% (6.888% APR), followed by 300 payments based on the then-current variable rate.
6.000%6.888%0.580

Early Arm Disclosure Statement

Rates are updated frequently and are subject to change without notice. Your actual rate is based on your credit quality, down payment, loan term, and amount financed. Rate lock cutoff time is 4:00 PM EST. Any lock requests received after 4:00 PM EST will be subject to tomorrow’s posted rates. Interest rates above are based on a loan amount of $250,00, single-family home as a primary residence, 45-day rate lock, credit score of 740, and a loan-to-value of 80%. Discount points may apply. Terms and conditions subject to change at any time without prior notice.