skip to main content

Leaving Website Disclosure

This link will redirect you to a site that may have certain associated risks, including not being insured by federal deposit insurance.

To remain at our site, click BACK. To leave our site for the link you selected, click PROCEED.

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.

Connect With Us

Consumer Exceptional Plan Checking 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

Value Plus Checking1 Interest
Rate
Annual
Percentage
Yield (APY)
Minimum
Balance to
Open
Minimum
Balance4 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%3 $50 $25,000.01 Daily/Monthly
Value Plus Checking1 Interest
Rate
Annual
Percentage
Yield (APY)
Minimum
Balance to
Open
Minimum
Balance4 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%3 $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.

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).

Shaka Checking Account

Balance Tiers Base Interest Rate Reward Interest Rate1 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% 0.47% 0.50% $25 $0 Daily / Monthly (Base)

Monthly / Monthly (Reward)
Tier 2
$20,000.01 & Over
0.03% - 0.50% - 0.12%3 $25 $20,000.01 Daily / Monthly
Balance Tiers Base Interest Rate Reward Interest Rate1 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% 0.47% 0.50% $25 $0 Daily / Monthly (Base)

Monthly / Monthly (Reward)
Tier 2
$20,000.01 & Over
0.03% - 0.50% - 0.12%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). The maximum monthly Reward Interest Rate earnings is $8 .00.

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.

 

[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 0.50% would apply to account balances between $0 and $20,000. For account balances in excess of $20,000:

  • An APY of 0.50% 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).

 

CPB