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Personal Checking Rates

7 Checking Accounts 




Account Type Opening Deposit Minimum Balance1 Interest Rate Annual Percentage Yield
eRewards Checking




*without Interest Reward2 $100 All Amounts 0.01% 0.01% Locations
*with Interest Reward2, 3 $100 $0 to $25,000 1.00% 1.00% Locations


$25,001 and above 0.25% 0.25%
Express Checking $100 All Amounts 0.01% 0.01% Features
Spectrum Checking $2,500 $0 to $2,499 0.15% 0.15% Locations


$2,500 to $9,999 0.15% 0.15%


$10,000 to $24,999 0.20% 0.20%


$25,000 to $49,999 0.30% 0.30%


$50,000 to $74,999 0.75% 0.75%


$75,000 to $99,999 0.75% 0.75%


$100,000 to $249,999 1.00% 1.00%


$250,000 and above 1.00% 1.00%

Deposit Rates are accurate as of 12/5/2024 and subject to change without notice. Checking, Money Market, and Saving rates are variable and may change after the account is opened. Interest is compounded daily and will be credited to the account on the scheduled statement date, except for blended rate accounts for which the interest is daily simple. Fees may reduce earnings. Daily balance is the amount of principal in the account each day. Average Daily Balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period. Contact our Customer Service Center or visit your local branch for further information about applicable fees and terms.

  1. The minimum balance must be maintained for one year in order to receive the Annual Percentage Yield.
  2. Interest reward is earned with the following requirements per statement cycle: eStatement subscriber, 10 signature based debit card transactions posted to the account prior to the end of the statement cycle and no more than 1 branch transaction. Point of Sale (POS) transactions do not count toward meeting the requirements whether or not a PIN is entered. Signature based debit card transactions may take up to five business days to post after the purchase is made. Contact our Customer Service Center or visit your local branch for further information on eligibility. 
  3. Blended Interest rate: eRewards Checking "Interest Reward" earns an interest rate of 1.00% plus the base interest rate 0.01% only for that portion of your average daily balance between $0 and $25,000. The APY for this tier will be 1.01%. An interest rate of 0.25% plus the base interest rate 0.01%  will be paid only for that portion of your average daily balance $25,001 and above. The APY for this tier will range from 1.01% to 0.26%, depending on the balance in the account. For accounts that do not meet the transaction and service requirements the APY is 0.01%.