Grow Your Money
Current Rates
Deposit Account Rates
Rates accurate as of 10/6/2026. Rates subject to change anytime. APY = Annual Percentage Yield.
Specials
| Term | Certificate Min. Balance | IRA Min. Balance | APY1 | Interest Rate |
|---|---|---|---|---|
| 2-Year Choice Plus CD / IRA 2 | $10,000 | $5,000 | 4.40% | 4.33% |
CDs & IRAs
| Term | Certificate Min. Balance | IRA Min. Balance | APY1 | Interest Rate |
|---|---|---|---|---|
| 6-Month | $1,000 | N/A | 3.90% | 3.84% |
| 12-Month | $1,000 | $500 | 3.95% | 3.89% |
| 2-Year | $1,000 | $500 | 4.40% | 4.33% |
| 3-Year | $1,000 | $500 | 4.00% | 3.94% |
| 4-Year | $1,000 | $1,000 | 4.00% | 3.94% |
| 5-Year | $1,000 | $1,000 | 4.00% | 3.94% |
| Young Savers (2 Year)3 | $200 | N/A | 2.50% | 2.48% |
Checking Accounts
| Account Type | Min. Balance to Open | Min. Balance to Obtain APY | APY4 | Interest Rate |
|---|---|---|---|---|
| Ultimate Interest Checking | $100 | $10,000 or more | 0.15% | 0.15% |
| $100 | $1,000 – $9,999 | 0.10% | 0.10% | |
| $100 | Less than $1,000 | 0.00% | 0.00% | |
| Star Checking5 | $100 | N/A | 0.10% | 0.10% |
Money Market Accounts
| Account Type | Min. Balance to Open | Min. Balance to Obtain APY | APY4 | Interest Rate |
|---|---|---|---|---|
| Relationship Money Market6 | $1,000 | $1,000,000 or more | 2.85% | 2.81% |
| $1,000 | $250,000 – $999,999 | 2.35% | 2.33% | |
| $1,000 | $100,000 – $249,999 | 1.60% | 1.59% | |
| $1,000 | $50,000 – $99,999 | 1.50% | 1.49% | |
| $1,000 | $2,500 – $49,999 | 0.80% | 0.80% | |
| $1,000 | Less than $2,500 | 0.01% | 0.01% | |
| Standard Money Market | $1,000 | $1,000,000 or more | 2.35% | 2.33% |
| $1,000 | $100,000 – $999,999 | 1.35% | 1.34% | |
| $1,000 | $50,000 – $99,999 | 1.10% | 1.09% | |
| $1,000 | $2,500 – $49,999 | 0.50% | 0.50% | |
| $1,000 | Less than $2,500 | 0.01% | 0.01% |
Savings Accounts
| Account Type | Min. Balance to Open | Min. Balance to Obtain APY | APY4 | Interest Rate |
|---|---|---|---|---|
| Platinum Personal Savings7 | $25,000 | $25,000 | 0.20% | 0.20% |
| Statement Savings | $100 | $100 | 0.08% | 0.08% |
| Cashus Kids Club Savings8 | None | None | 0.08% | 0.08% |
Health Savings Accounts
| Min. Balance to Open | Min. Balance to Obtain APY9 | APY4 | Interest Rate |
|---|---|---|---|
| $100 | $10,000 or more | 0.25% | 0.25% |
| $100 | $2,500 – $9,999 | 0.20% | 0.20% |
| $100 | Less than $2,500 | 0.15% | 0.15% |
APY: Annual Percentage Yield.
(1) Early withdrawal may be subject to penalty. Fees may reduce earnings.
(2) One-time time rate bump to current rate allowed during initial term. The rate is changed for the remainder of the term and is applicable to the entire balance. Additions of $500 or more are allowed at any time. Personal accounts only.
(3) Young Savers CD is only available for customers under 18. Additions of $50 or more can be made any time to the Young Savers CD.
(4) Rates may change after the account is opened. Fees imposed could reduce the earnings on accounts.
(5) Star Checking is only available to active duty or retired military or customers age 50 or older.
(6) Eligibility for the Relationship Money Market rate requires the customer to maintain an additional deposit or loan account with Ixonia Bank.
(7) If the balance of a Platinum Savings Account falls below the $25,000 minimum at any time during the statement cycle, the account rate switches to 0.08% APY.
(8) Cashus Savings Account is for children ages 12 and under only.
(9) See HSA brochure for more details, including explanation of qualified expenses and annual contribution limits.
Ask us for other applicable fees, terms and additional details. Member FDIC.