Deposit Product Rates

 Checking Rates | Savings Rates | Money Market Rates

CD Rates  | IRA Rates

All rates effective as of September 3, 2021.
Please note that the rates are subject to change without notice.

Checking Accounts

Account NameMin. Deposit ($)Interest Rate (%)

APY1 (%)

Min. Balance to Open
Navigator Checking
Tier 1500 to 9,9990.030.030
Tier 210,000 to 49,9990.080.080
Tier 350,000 & over0.130.130

1APY refers to Annual Percentage Yield. Rates may change on variable rate accounts after the account is opened. Fees may reduce earnings.


Checking account qualifications must be met to earn advertised rates.


Savings Accounts

Account NameMin. Deposit ($)Interest Rate (%)

APY1 (%)

Min. Balance to Open
Navigator Savings (links to Checking)
Flexible Package or Unlinked1000.030.030
Rewarding Package (Tier 1)Up to first 20,0000.150.150
Rewarding Package (Tier 2)Balances excess of 20,0000.030.030
Lifelong Package (Tier 1)Up to first 20,0000.250.250
Lifelong Package (Tier 2)Balances in excess of 20,0000.030.030
Super Easy Savings 10,0000.030.0310,000
Statement Savings 1000.030.03100
Christmas Club 100.030.0310

1APY refers to Annual Percentage Yield. Rates may change on variable rate accounts after the account is opened. Fees may reduce earnings.


Money Market Accounts

Account NameMin. Deposit ($)Interest Rate (%)

APY1 (%)

Min. Balance to Open
Preferred Money Market 20,0000.080.0820,000
Insured Money Market
Tier 1Up to 2,4990.030.032,500
Tier 22,500 to 24,9990.060.062,500
Tier 325,000 & over0.080.082,500

1APY refers to Annual Percentage Yield. Rates may change on variable rate accounts after the account is opened. Fees may reduce earnings.


Certificate of Deposit (CD) Rates

Account NameMin. Deposit ($)Interest Rate (%)

APY1 (%)

3-Month1,0000.060.06
6-Month1,0000.060.06
10-Month Penalty-Free (Relationship Special)22,5000.100.10
12-Month (Relationship Special)21,0000.250.25
18-Month (Relationship Special)21,0000.350.35
2-Year (24 Month)1,0000.250.25
3-Year (36 Month)1,0000.300.30
4-Year (48 Month)1,0000.300.30

5-Year (60 Month)

1,0000.500.50
7-Year (84 Month)1,0000.500.50
10-Year (120 Month)1,0000.500.50

1APY refers to Annual Percentage Yield. Rates may change on variable rate accounts after the account is opened. Fees may reduce earnings.

2A penalty may be imposed for early withdrawal from certificate accounts. Fees may reduce earnings. Standard Bank checking account required.


Individual Retirement Account (IRA) Rates

Account NameMin. Deposit ($)Interest Rate (%)

APY1 (%)

1-Year (12 Month)1,0000.100.10
2-Year (24 Month)1,0000.250.25

3-Year (36 Month) Relationship Special2

5,0000.300.30
4-Year (48 Month)1,0000.300.30
5-Year (60 Month)1,0000.500.50
7-Year (84 Month)1,0000.500.50
10-Year (120 Month)1,0000.500.50

1APY refers to Annual Percentage Yield. Rates may change on variable rate accounts after the account is opened. Fees may reduce earnings.

2Limited to amounts $5,000-$250,000 and $5,000 of which must be new money to Standard Bank. Standard Bank checking account required.

Deposit Rates 

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