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RATES
Savings rates
SAVINGS
Rates
Savings
Personal and Business Savings to help you reach your goals.
Effective: October 1, 2025
Dividend Declaration: September 30, 2025
| Account | Min. Balance* | APY** |
|---|---|---|
| Primary Savings | $5 | .05% |
| Christmas Club Savings | $5 | .05% |
| Vacation Club Savings | $5 | .05% |
| Health Savings Account (HSA) | $5 | .01% |
| Individual Retirement Account (Share IRA) | $250 | .05% |
| Business Savings | $1,500 | .05% |
Personal Checking
Effective: October 1, 2025
| Account | Min. Balance* | APY** |
|---|---|---|
| Thrive Checking | $1,500 | 3.00% |
| Greater than $1,500 | 0.01% | |
| Advantage Checking | $500 | .01% |
Business Checking
Effective: October 15, 2025
| Account | Min. Balance* | APY** |
|---|---|---|
| Everyday Business Checking | $1,500 | .01% |
| IOLTA (Interest Only Lawyer Trust Account)1 | No minimum balance required | 0.25% |
Money Market
Personal and Business Money Markets with limited access and high rates to grow your money.
Effective: October 20, 2025
| Account | Min. Balance* | APY** |
|---|---|---|
|
Money Market Access |
$2,500 - $49,999 | 1.00% |
| $50,000 - $99,999 | 1.25% | |
| Greater than $100,000 | 1.50% | |
|
Elevate Money Market |
$2,500 - $9,999 | 3.00% |
| $10,000 - $14,999 | 2.50% | |
| $15,000 - $19,999 | 1.50% | |
| Greater than $20,000 | 0.05% |
Traditional Certificates
Personal and Business Traditional Certificates with fixed high rates and terms to grow savings.
Effective Date: October 20, 2025
Dividend Declaration Date: September 30, 2025
| Term | Min. Balance* | apy** |
|---|---|---|
| 3 Months | $1,000 | 3.75% |
| 6 Months | $1,000 | 3.85% |
| 12 Months | $1,000 | 4.00% |
| 24 Months | $1,000 | 3.75% |
| 36 Months | $1,000 | 3.70% |
| 48 Months | $1,000 | 3.50% |
| 60 Months | $1,000 | 3.55% |
IRA Certificates
Personal IRA Traditional Certificates with fixed high rates and terms for retirement.
Effective Date: October 1, 2025
Dividend Declaration Date: September 30, 2025
| Term | Min. Balance* | apy** |
|---|---|---|
| 12 Months | $1,000 | 4.00% |
| 24 Months | $1,000 | 3.75% |
| 36 Months | $1,000 | 3.70% |
| 48 Months | $1,000 | 3.50% |
| 60 Months | $1,000 | 3.55% |
*This is the minimum balance required to open an account and the minimum balance to earn the posted Annual Percentage Yield (APY). Dividends are compounded and credited monthly. The Dividend Rates and Annual Percentage Yields (APY) are variable rates and subject to change at any time. Dividends cannot be declared in advance. Federally insured by NCUA.
**APY=Annual Percentage Yield. Early withdrawal penalty applies to all certificate offerings. Dividends are compounded and credited monthly. The Dividend Rates and Annual Percentage Yields (APY) are variable rates and subject to change at any time. Dividends cannot be declared in advance. Early withdrawal penalty applies to all certificate offerings. Penalty will reduce earnings.
1IOLTA accounts require no minimum opening deposit or daily balance to earn dividends. Dividends are compounded and credited monthly and forwarded to the Arizona State Bar Foundation. Rates and Annual Percentage Yields (APY) are variable rates and subject to change at any time.