Bank Interest CD Rates

Effective 1/1/2020 and subject to change without notice. Terms on amounts over $1 million must be approved in advance. Rates and annual percentage yields listed are for accounts in AZ, ID, UT, OR, NV, NM and WA. Rates and and annual percentage yields vary in Texas. See Texas Rates. Member FDIC. Account service charges or withdrawals will reduce earnings. Please ask us for details.

13-Month CD Special

7-Month CD Special

$1,000 - $500,000.00
With Eligible† Checking:
Interest Rate/APY%
1.54/1.55
Without Eligible† Checking:
Interest Rate/APY%
1.49/1.50

 $1,000 - $500,000.00
With Eligible† Checking:
Interest Rate/APY%
1.44/1.45
Without Eligible† Checking:
Interest Rate/APY%
1.39/1.40
† Eligible checking accounts include Free, Green, Stellar Plus or Select Checking.

Gold Money Market *

$1,000 - Plus
1.14% Interest Rate
1.15% APY

* Not available for IRAs
Limit of six electronic/check transactions per month.


Fixed Rate Certificates of Deposit

$1,000 minimum to open ($500 minimum for minors). A penalty may be assessed for early withdrawal.

Choice of Terms $1,000 - $89,999
Interest Rate/APY %		 $90,000 - $90,000 Plus
Interest Rate/APY %		 Renewal Term
14 Days - 2 Months N/A 0.10/0.10
 1 - 2 Months
3 Months 0.15/0.15
 0.20/0.20
 3 Months
4 - 5 Months 0.15/0.15
 0.20/0.20
 4 - 5 Months
6 - 11 Months 0.35/0.35
 0.40/0.40
 6 Months
12 - 17 Months 0.50/0.50
 0.55/0.55
 12 Months
18 - 23 Months 0.70/0.70
 0.75/0.75
 18 Months
24 - 35 Months 0.90/0.90
 0.95/0.95
 24 Months
36 - 47 Months 1.04/1.05
 1.09/1.10
 36 Months
48 - 59 Months 1.14/1.15
 1.19/1.20
 48 Months
60 Months 1.88/1.90
 1.93/1.95
 60 Months
$1,000 - $89,999
Choice of
Terms		 Interest
Rate/APY %		 Renewal
Term
14 Days - 2 Months N/A 1 - 2 Months
3 Months 0.15/0.15
 3 Months
4 - 5 Months 0.15/0.15
 4 - 5 Months
6 - 11 Months 0.35/0.35
 6 Months
12 - 17 Months 0.50/0.50
 12 Months
18 - 23 Months 0.70/0.70
 18 Months
24 - 35 Months 0.90/0.90
 24 Months
36 - 47 Months 1.04/1.05
 36 Months
48 - 59 Months 1.14/1.15
 48 Months
60 Months 1.88/1.90
 60 Months
$90,000 - $90,000 Plus
Choice of
Terms		 Interest
Rate/APY %		 Renewal
Term
14 Days - 2 Months 0.10/0.10
 1 - 2 Months
3 Months 0.20/0.20
 3 Months
4 - 5 Months 0.20/0.20
 4 - 5 Months
6 - 11 Months 0.40/0.40
 6 Months
12 - 17 Months 0.55/0.55
 12 Months
18 - 23 Months 0.75/0.75
 18 Months
24 - 35 Months 0.95/0.95
 24 Months
36 - 47 Months 1.09/1.10
 36 Months
48 - 59 Months 1.19/1.20
 48 Months
60 Months 1.93/1.95
 60 Months