FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Account Type

Min. Opening Deposit

Min. Daily Balance to Earn APY

Dividend Rate

APY*

Regular Share

$25

$100

0.050%

0.05%

Secondary Share

$100

$100

0.050%

0.05%

Sprout Share

$25

None

0.050%

0.05%

iThrive Share

$25

None

0.050%

0.05%

Christmas Club Share

None

None

0.050%

0.05%

Account Type

Min. Opening Deposit

Min. Daily Balance to Earn APY

Dividend Rate

APY*

Share Draft

None

None

0.020%

0.02%

Account Type

Min. Opening Deposit

Min. Daily Balance to Earn APY

Dividend Rate

APY*

3 Month

$1,000

None

0.250%

0.25%

6 Month

$1,000

None

3.445%

3.50%

1 Year

$1,000

None

3.202%

3.25%

2 Year

$1,000

None

3.202%

3.25%

3 Year

$1,000

None

2.957%

3.00%

4 Year

$1,000

None

2.957%

3.00%

5 Year

$1,000

None

2.957%

3.00%

1 Early withdrawal penalty provision applies. Minimum $250 opening deposit for iThrive and Sprout Youth Accounts.

Account Type

Min. Opening Deposit

Min. Daily Balance to Earn APY

Dividend Rate

APY*

Traditional IRA

None

None

2.472%

2.500%

Roth IRA

None

None

2.472%

2.500%

Account Type

Min. Opening Deposit

Min. Daily Balance to Earn APY

Dividend Rate

APY*

Coverdell ESA

None

None

2.472%

2.500%

*APY = Annual Percentage Yield. The APY may change after the account is opened. APYs are effective as of 01/01/2026, and may change at any time without notice. Fees may reduce earnings.

Rates, terms and conditions are subject to change at any time without prior notice.