Deposit Rates
Annual percentage yields are accurate as of: November 1, 2025
Checking Accounts
| Ultimate Checking | ||
| Daily Balance Tier* | Interest Rate | APY |
| $0.01 to $24,999.99 | 0.05% | 0.05% |
| $25,000 to $99,999.99 | 0.10% | 0.10% |
| $100,000 to $249,999.99 | 0.15% | 0.15% |
| $250,000 or more | 0.25% | 0.25% |
| Easy Checking Plus & Classic 50 Checking | ||
| Daily Balance Tier* | Interest Rate | APY |
| $1,000 or more | 0.05% | 0.05% |
| Community Checking | ||
| Daily Balance Tier* | Interest Rate | APY |
| $0.01 to $24,999.99 | 0.10% | 0.10% |
| $25,000 to $99,999.99 | 0.15% | 0.15% |
| $100,000 to $249,999.99 | 0.20% | 0.20% |
| $250,000 or more | 0.20% | 0.20% |
| Lawyer and Real Estate Trust Account | ||
| Account Type | Interest Rate | APY |
| Daily Balance Tier* | ||
| COLTAF | ||
| $1,000 or more | 2.40% | 2.42% |
| IOLTA (Wyoming) | ||
| $1,000 or more | 0.05% | 0.05% |
| CARHOF | ||
| $1,000 or more | 0.05% | 0.05% |
Savings Accounts
| Premium Personal and Business Money Market & IRA Variable | ||
| Daily Balance Tier* | Interest Rate | APY |
| $0.01 to $24,999.99 | 0.17% | 0.17% |
| $25,000 to $99,999.99 | 0.38% | 0.38% |
| $100,000 to $249,999.99 | 0.88% | 0.88% |
| $250,000 to $999,999.99 | 1.34% | 1.35% |
| $1,000,000 to $4,999,999.99 | 1.55% | 1.56% |
| $5,000,000 or more | 1.73% | 1.74% |
| Personal Savings, Business Savings, Spare-Change Savings & Youth Savings | ||
| Daily Balance Tier* | Interest Rate | APY |
| $0.01 or more | 0.08% | 0.08% |
Specialty Savings Accounts
| Health Savings Account | ||
| Daily Balance Tier* | Interest Rate | APY |
| $100 to $999.99 | 0.01% | 0.01% |
| $1,000 to $2,499.99 | 0.01% | 0.01% |
| $2,500 to $9,999.99 | 0.01% | 0.01% |
| $10,000 or more | 0.01% | 0.01% |
Certificates of Deposit
| 90 Day | Interest Rate | APY |
| $1,000 to $9,999.99 | 2.80% | 2.83% |
| $10,000 or more | 3.10% | 3.14% |
| 180 Day | ||
| $1,000 to $9,999.99 | 3.20% | 3.24% |
| $10,000 or more | 3.30% | 3.34% |
| 12 Month | ||
| $1,000 to $9,999.99 | 2.80% | 2.83% |
| $10,000 or more | 3.35% | 3.39% |
| 24 Month | ||
| $1,000 to $9,999.99 | 2.45% | 2.47% |
| $10,000 or more | 2.75% | 2.78% |
| 36 Month | ||
| $1,000 to $9,999.99 | 1.90% | 1.91% |
| $10,000 or more | 2.20% | 2.22% |
| 48 Month | ||
| $1,000 to $9,999.99 | 1.90% | 1.91% |
| $10,000 or more | 2.20% | 2.22% |
| 60 Month | ||
| $1,000 to $9,999.99 | 1.75% | 1.76% |
| $10,000 or more | 2.05% | 2.07% |