Rates

Type

Minimum Balance to Open

Interest Rate (1)

APY (2)

Minimum Balance to Obtain APY

Destination Money Market (3,4)

$5,000

0.03%

0.05%

$0-$49

0.07%

0.10%

$50-$4,999

1.98%

2.00%

$5,000-$14,999

2.86%

2.90%

$15,000-$24,999

2.86%

2.90%

$25,000-$249,999

3.92%

4.00%

$250,000-$499,999

4.26%

4.35%

$500,000+

Money Market Deposit Account 

$500

0.05%

0.05%

$50-$4,999

0.10%

0.10%

$5,000-$14,999

0.35%

0.35%

$15,000-$49,999

0.50%

0.50%

$50,000-$99,999

0.75%

0.75%

$100,000-$249,999

0.75%

0.75%

$250,000-$499,999

1.00%

1.00%

$500,000-$999,999

1.10%

1.10%

$1,000,000+

(1) Rates are subject to change after the account is opened.
(2) Fees may reduce the earnings on the account. 

(3) $10 fee applied if account balance is below $5,000 at any point during qualification cycle.

(4) Must have a Destination Checking account to open.

Savings Account Type

Minimum Balance to Open

Interest Rate(1)

APY(2)

Minimum Balance to Obtain APY

Statement Savings

$100

0.05%

0.05%

$100

0.15%

0.15%

$2500

Club Accounts

Holiday Club(3)

$2

0.25%

0.25%

$50

Vacation Club(4)

$2

0.25%

0.25%

$50

Young Savers

$5

0.25%

0.25%

$5

(1) Rates are subject to change after the account is opened.
(2) Fees may reduce the earnings on the account.

(3) Account matures the first weekend after October 3 each year; its term varies depending on when the account was opened. Penalty for early withdrawal

(4) Account matures the first weekend after April 3 each year; its term varies depending on when the account was opened. Penalty for early withdrawal 

Product

APY (4)

Destination 6-month (2,3)

3.95%

6-month (1)

3.45%

18-month (1)

3.45%

Destination 18-month (1,3)

3.95%

(1) $500 to open and $500 minimum balance to obtain APY.

(2) $2500 to open and $2500 minimum balance to obtain APY.

(3) Must have a Destination Checking account to open.

(4) Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawals from Certificates of Deposit. Interest rates are subject to change without notice. Annual Percentage Yields (APY) calculations are based on a 365-day term, unless otherwise noted, and assume principal and interest remain on deposit to maturity. Annual Percental Yield effective date: December 4, 2024.

Type

Interest Rate

APY(2)

Minimum Balance to Obtain APY

18 Month

Fixed Rate

0.20%

0.20%

$500

30 Month

Fixed Rate

0.40%

0.40%

$500

(1) Substantial Penalty for early withdrawal.
(2) Fees may reduce the earnings on the account 

(3) $500 minimum balance to open and $500 minimum balance to obtain APY.