Current Deposit Rates

Rates are subject to change at any time including after account opening.
Interest Rates and Annual Percentage Yields are current as of:

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Checking Tier Interest Rate Annual Percentage Yield
(APY)
Emblem Account
(Minimum opening deposit $1,000)
*Fees could reduce earnings on the account.
Under 5,000 0.05 0.05
5,000-24,999 0.10 0.10
25,000+ 

 

0.20 0.20
Personal Money Market
(Minimum opening deposit $1,000)
*Fees could reduce earnings on the account.
Under 5,000 0.15 0.15
5,000-24,999 0.50 0.50
25,000-99,999 0.60 0.60
100,000 - 999,999 0.65 0.65
1,000,000+
 
0.65 0.65
Public Funds Checking
(Minimum opening deposit $500)
*Fees could reduce earnings on the account.
Under 5,000 0.05 0.05
5,000-24,999 0.05 0.05
25,000-999,999 0.15 0.15
1,000,000+

 

0.15 0.15
Sole Proprietor Checking
(Minimum opening deposit $500)
*Fees could reduce earnings on the account.
Under 5,000 0.05 0.05
5,000-24,999 0.10 0.10
25,000+

 

0.20 0.20
IOLTA Account
(Minimum opening deposit $1,000)
*Fees could reduce earnings on the account.
Under 5,000 0.05 0.05
5,000-24,999 0.10 0.10
25,000+ 

 

0.20 0.20
Business Money Market
(Minimum opening deposit $1,000)
*Fees could reduce earnings on the account.
Under 5,000 0.15 0.15
5,000-24,999 0.30 0.30
25,000-99,999 0.35 0.35
100,000 - 999,999 0.60 0.60
1,000,000+
 
0.60 0.60
Condo/Homeowner Association Account
(Minimum opening deposit $500)
*Fees could reduce earnings on the account
  0.60

 

 

 

0.60
    
Savings
 Rate (APY)
Live Oak Savings
(Minimum opening deposit $100)
0.15 0.15
First Savings
(No minimum opening deposit)
0.15 0.15
Holiday Club Account
(Minimum opening deposit $10)
0.15 0.15
   
Certificate of Deposit Minimum balance required to obtain (APY)  Rate (APY)
7 - 31 Day CD $500 0.15 0.15
3 - 5 Month CD $500 0.30 0.30
6 - 11 Month CD $500 0.45 0.45
12 - 23 Month CD $500 0.60 0.60
24 - 29 Month CD $500 0.95 0.95
30 - 35 Month CD $500 0.95 0.95
36 - 47 Month CD $500 1.00 1.00
48 - 59 Month CD $500 1.15 1.15
60 Month CD $500 1.25 1.25
7 - 31 Day IRA $500 0.15 0.15
3 - 5 Month IRA $500 0.30 0.30
6 - 11 Month IRA $500 0.45 0.45
12 - 23 Month IRA $500 0.60 0.60
24 - 29 Month IRA $500 0.95 0.95
30 - 35 Month IRA $500 0.95 0.95
36 - 47 Month IRA $500 1.00 1.00
48 - 59 Month IRA $500 1.15 1.15
60 Month IRA $500 1.25 1.25

* A penalty may be imposed for early withdrawal.