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Checking Account Interest Rates

Checking Account Interest Rates


Interest rates and annual percentage yields are subject to change on a daily basis. Fees may reduce earnings on accounts.

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Consumer Exceptional Plan Checking Accounts

Interest Rates and annual percentage yields are subject to change at any time after the account is opened. Fees may reduce earnings on accounts.

Exceptional Checking1

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance4 to
Earn Interest

Interest
Compounded/Paid

Tier 1 $0 - $9,999.99

0.01%

0.01%

$500

$0

Daily/Monthly

Tier 2 $10,000 - $49,999.99

0.01%

0.01%

$500

$10,000

Daily/Monthly

Tier 3 $50,000 - $249,999.99

0.02%

0.02%

$500

$50,000

Daily/Monthly

Tier 4 $250,000 & Over

0.03%

0.03%

$500

$250,000

Daily/Monthly

Exceptional Checking1

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance4 to
Earn Interest

Interest
Compounded/Paid

Tier 1 $0 - $9,999.99

0.01%

0.01%

$500

$0

Daily/Monthly

Tier 2 $10,000 - $49,999.99

0.01%

0.01%

$500

$10,000

Daily/Monthly

Tier 3 $50,000 - $249,999.99

0.02%

0.02%

$500

$50,000

Daily/Monthly

Tier 4 $250,000 & Over

0.03%

0.03%

$500

$250,000

Daily/Monthly

Exceptional Choice Checking2

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance4 to
Earn Interest

Interest
Compounded/Paid

Standard Rate

0.02%

0.02%

$500

$0

Daily/Monthly

Tier 1 $0 - $25,000

0.10%

0.10%

$500

$0

Daily/Monthly

Tier 2 $25,000.01 & Over

0.02%

0.10%-0.05%3

$500

$25,000.01

Daily/Monthly

Exceptional Choice Checking2

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance4 to
Earn Interest

Interest
Compounded/Paid

Standard Rate

0.02%

0.02%

$500

$0

Daily/Monthly

Tier 1 $0 - $25,000

0.10%

0.10%

$500

$0

Daily/Monthly

Tier 2 $25,000.01 & Over

0.02%

0.10%-0.05%3

$500

$25,000.01

Daily/Monthly

  1. The interest rate is determined by the balance tier and is paid on the entire balance of the account.
  2. Our Exceptional Choice Checking account has a special feature that pays a higher interest rate and APY on
    Tier 1 balances if you meet ALL of the following transaction requirements during the calendar month:

    -15 or more debit card transactions (point of-sale purchases) post to your account during the month (ATM transactions do not qualify);

    -A qualified direct deposit is credited to your account during the month. A qualified direct deposit is a recurring electronic deposit of paychecks, Social Security benefits, or other regularly scheduled income payments (transfers from one account to another do not qualify); and,

    -Maintain our Check Safekeeping service on your account for your canceled checks (i.e., you do not get your canceled checks or images of your canceled checks with your statements).

    When you meet all the transaction requirements depending on your balance two different interest rates and APYs could be paid on your account during the month. The tiered interest rates and APYs shown above will be paid only on that portion of your balance that is within the tier range. If your account does not meet all the transaction requirements for the tiered rates, the standard rate noted above will apply to your entire balance.

  3. The APYs shown are for representative balances of $25,000.01 and $100,000. The APY decreases for larger balances because more interest is earned at the lower interest rate.
  4. This is the daily balance (i.e., the amount of principal in the account each day).

 

Consumer Checking Accounts

Interest Rates and annual percentage yields are subject to change at any time after the account is opened. Fees may reduce earnings on accounts.

Value Plus Checking1

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance3 to
Earn Interest

Interest
Compounded/Paid

Standard Rate

0.02%

0.02%

$50

$0

Daily/Monthly

Tier 1 $0 - $25,000

0.10%

0.10%

$50

$0

Daily/Monthly

Tier 2 $25,000.01 & Over

0.02%

0.10%-0.05%2

$50

$25,000.01

Daily/Monthly

Value Plus Checking1

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance3 to
Earn Interest

Interest
Compounded/Paid

Standard Rate

0.02%

0.02%

$50

$0

Daily/Monthly

Tier 1 $0 - $25,000

0.10%

0.10%

$50

$0

Daily/Monthly

Tier 2 $25,000.01 & Over

0.02%

0.10%-0.05%2

$50

$25,000.01

Daily/Monthly

  1. Our Value Plus Checking account has a special feature that pays a higher interest rate and APY on Tier 1 balances if you meet ALL of the following transaction requirements during the calendar month:

-15 or more debit card transactions (point of-sale purchases) post to your account during the month (ATM transactions do not qualify);

-A qualified direct deposit is credited to your account during the month. A qualified direct deposit is a recurring electronic deposit of paychecks, Social Security benefits, or other regularly scheduled income payments (transfers from one account to another do not qualify); and,

-Maintain our Check Safekeeping service on your account for your canceled checks (i.e., you do not get your canceled checks or images of your canceled checks with your statements).

When you meet all the transaction requirements depending on your balance two different interest rates and APYs could be paid on your account during the month. The tiered interest rates and APYs shown above will be paid only on that portion of your balance that is within the tier range. If your account does not meet all the transaction requirements for the tiered rates, the standard rate noted above will apply to your entire balance.

2.  The APYs shown are for representative balances of $25,000.01 and $100,000. The APY decreases for larger balances because more interest is earned at the lower interest rate.

3.  This is the daily balance (i.e., the amount of principal in the account each day).

 

Shaka Checking Account

Interest Rates and annual percentage yields are subject to change at any time after the account is opened. Fees may reduce earnings on accounts.

Balance Tiers

Base Interest Rate

Reward Interest Rate1

Annual Percentage Yield (APY)

Minimum Balance to Open

Minimum Balance2 to Earn Interest

Interest Compounded / Paid

Standard Rate

0.03%

-

0.03%

$25

$0

Daily / Monthly

Tier 1
$0 - $20,000

0.03%

0.97%

1.00%

$25

$0

Daily / Monthly (Base)

Monthly / Monthly (Reward)

Tier 2
$20,000.01 & Over

0.03%

-

1.00% - 0.21%3

$25

$20,000.01

Daily / Monthly

Balance Tiers

Base Interest Rate

Reward Interest Rate1

Annual Percentage Yield (APY)

Minimum Balance to Open

Minimum Balance2 to Earn Interest

Interest Compounded / Paid

Standard Rate

0.03%

-

0.03%

$25

$0

Daily / Monthly

Tier 1
$0 - $20,000

0.03%

0.97%

1.00%

$25

$0

Daily / Monthly (Base)

Monthly / Monthly (Reward)

Tier 2
$20,000.01 & Over

0.03%

-

1.00% - 0.21%3

$25

$20,000.01

Daily / Monthly

[1] Our Shaka account has a special feature that pays a higher interest rate (Reward Interest Rate) and APY on Tier 1 balances if you meet ALL of the following transaction requirements during the calendar month:

1. 15 or more debit card transactions (point of-sale purchases) post to your account during the month totaling $75 or more (ATM transactions do not qualify); and

2. A qualified direct deposit is credited to your account during the month. A qualified direct deposit is a recurring electronic deposit of paychecks, Social Security benefits, or other regularly scheduled income payments of $25 or more (transfers from one account to another do not qualify). 

When you meet all the transaction requirements, depending on your account balance, two different interest rates and APYs could be paid on your account during the month. The tiered interest rates and APYs shown above will be paid only on that portion of your balance that is within the tier range. If your account does not meet all the transaction requirements for the tiered rates, the Standard Rate Tier noted above will apply to your entire balance. The maximum monthly Reward Interest Rate earnings is $17.

 

[2] This is the daily balance (i.e., the amount of principal in the account each day).

 

[3] The APYs shown are for representative balances of $20,000.01 and $100,000. The APY decreases for larger balances because more interest is earned at the lower interest rate. Specifically, if you meet all the transaction requirements above during a calendar month, an APY of 1.00% would apply to account balances between $0 and $20,000. For account balances in excess of $20,000:

  • An APY of 1.00% would apply to the first $20,000 of the total account balance; and
  • An APY of 0.03% would apply to any portion of the account balance in excess of $20,000 (i.e., is equal to or greater than $20,000.01).