Interest rates and Annual Percentage Yields are current as of June 16th, 2024 and are subject to change at the bank’s discretion.
APY = Annual Percentage Yield
Personal Checking Accounts Learn More
|
|
Minimum Daily Balance |
Tier |
Rate |
APY |
|---|---|---|---|---|
|
$0 |
$0 to $30,000 |
3.93% |
4.00% |
|
|
$30,001 and over |
0.50% |
4.00% to 1.31% |
||
|
All balances if qualifications not met |
0.05% |
0.05% |
||
|
$1,000.00 |
$500 to $9,999 |
0.25% |
0.25% |
|
|
$10,000 to $24,999 |
0.50% |
0.50% |
||
|
$25,000 and over |
0.995% |
1.00% |
* Indicates interest rate may change on the first of any month, all other rates may change each Wednesday.
1 To earn APY, the following qualifications must be met and all transactions and activities must post and settle to the Kasasa checking account during each monthly Qualification Cycle: at least 12 debit card purchases; at least 1 direct deposit, ACH payment, ACH credit, or bill pay transaction; be enrolled in and agree to receive eStatements.
Personal Savings Accounts Learn More
|
|
Minimum Daily Balance |
Tier |
Rate |
APY |
|---|---|---|---|---|
|
$0 |
$0 to $30,000 |
0.995% |
1.00% |
|
|
$30,001 and over |
0.25% |
1.00% to 0.42% |
||
|
All balances if qualifications not met |
0.05% |
0.05% |
||
|
$300.00 |
$300 and over |
0.20% |
0.20% |
|
|
$5.00 |
All Balances |
0.20% |
0.20% |
|
|
$0.01 |
All Balances |
0.20% |
0.20% |
|
|
$100.00 |
$100 to $7,499 |
0.20% |
0.20% |
|
|
$7,500 to $19,999 |
0.30% |
0.30% |
||
|
$20,000 to $34,999 |
0.40% |
0.40% |
||
|
$35,000 to $49,999 |
0.50% |
0.50% |
||
|
$50,000 and over |
0.60% |
0.60% |
||
|
$2,500.00 |
$2,500 to $9,999 |
0.10% |
0.10% |
|
|
$10,000 to $49,999 |
0.15% |
0.15% |
||
|
$50,000 to $74,999 |
0.20% |
0.20% |
||
|
$75,000 and over |
0.25% |
0.25% |
||
|
$2,500.002 |
$2,500 to $49,999 |
2.96% |
3.00% |
|
|
$50,000 to $99,999 |
3.69% |
3.75% |
||
|
$100,000 to $249,999 |
4.17% |
4.25% |
||
|
$250,000 and over |
4.65% |
4.75% |
* Indicates interest rate may change on the first of any month, all other rates may change each Wednesday.
1 To earn APY, the following qualifications must be met and all transactions and activities must post and settle to the Kasasa checking account during each monthly Qualification Cycle: at least 12 debit card purchases; at least 1 direct deposit, ACH payment, ACH credit, or bill pay transaction; be enrolled in and agree to receive eStatements.
2 Requires $25,000 in new money, not currently on deposit with Pathfinder Bank to open.
Certificates of Deposit Learn More
|
|
Minimum Daily Balance |
Tier |
Rate |
APY |
|---|---|---|---|---|
|
$1,000.00 |
$1,000 to $49,999 |
4.65% |
4.75% |
|
|
$50,000 to $99,999 |
4.75% |
4.85% |
||
|
$100,000 to $249,999 |
4.89% |
5.00% |
||
|
$250,000 and over |
4.98% |
5.10% |
||
|
$1,000.00 |
$1,000 and over |
4.31% |
4.40% |
|
|
$1,000.00 |
$1,000 and over |
0.80% |
0.80% |
|
|
$1,000.00 |
$1,000 and over |
4.07% |
4.15% |
|
|
$1,000.00 |
$1,000 and over |
3.93% |
4.00% |
|
|
$1,000.00 |
$1,000 and over |
1.09% |
1.10% |
Fees may reduce earnings. Early withdrawal is subject to penalty.
3 During the term of your Bump-Up Certificate of Deposit account you have a one-time option to change the interest rate on your account, if the rate of any of our certificates of deposit of the same term increases above the rate disclosed at account opening. To use this option, you must, within any calendar month, during the term of your account notify the bank that you would like to use the one-time bump up option. You must complete and sign a “Bump-Up Interest Rate Option” form, authorizing the bank to make the change. The interest rate change will go into effect on the first business day of the following month. At that time, your account will begin to earn, for the remainder of the term, the rate of interest that was in effect on the date the Bank received your written authorization. If on the first business day of the month, the interest rate for the term is different than the interest rate that was in effect on the date you authorized the bank to change your interest rate, your account will begin to earn interest at the higher rate for the remainder of the term. If you exercise your one-time interest rate adjustment option, notification of the new interest rate and annual percentage yield being earned on your account will be provided to you at the time that you request the change.
Business Deposit Accounts
|
Minimum Daily Balance |
Tier |
Rate |
APY |
|
|---|---|---|---|---|
|
Rate/APY for earnings credit only |
$100 to $4,999 |
0.03% |
0.03% |
|
|
$5,000 to $9,999 |
0.07% |
0.07% |
||
|
$10,000 and over |
0.10% |
0.10% |
||
|
Business Interest Checking* |
$1,000.00 |
$1,000 and over |
0.65% |
0.65% |
|
IOLA Checking* |
$100.00 |
$100 and over |
3.30% |
3.35% |
|
Estate Checking* |
$100.00 |
$100 and over |
0.15% |
0.15% |
|
$0.00 |
All Balances |
2.96% |
3.00% |
|
|
$100.00 |
$300 and over |
0.20% |
0.20% |
|
|
$300.00 |
$300 to $9,999 |
0.20% |
0.20% |
|
|
$10,000 to $24,999 |
0.25% |
0.25% |
||
|
$25,000 and over |
0.30% |
0.30% |
||
|
$10,000.00 |
$2,500 to $9,999 |
0.35% |
0.35% |
|
|
$10,000 to $24,999 |
0.45% |
0.45% |
||
|
$25,000 to $49,999 |
0.65% |
0.65% |
||
|
$50,000 to $74,999 |
1.19% |
1.20% |
||
|
$75,000 to $249,999 |
1.54% |
1.55% |
||
|
$250,000 and over |
1.69% |
1.70% |
||
|
High Yield Business MMDA Promo4
|
$10,000.00
|
$2,500 to $99,999 |
2.47%/2.96% |
2.50%/3.00% |
|
$100,000 to $249,999 |
3.20%/3.69% |
3.25%/3.75% |
||
|
$250,000 to $499,999 |
3.69%/4.17% |
3.75%/4.25% |
||
|
$500,000 and over |
4.17%/4.65% |
4.25%/4.75% |
* Indicates interest rate may change on the first of any month, all other rates may change each Wednesday.
4 To receive the 0.50% bonus rate increase, shown above in bold, business must have an operating account carrying a minimum balance of $250,000 in a non-interest bearing account at MMDA opening.
Municipal Deposit Accounts
|
|
Minimum Daily Balance |
Tier |
Rate |
APY |
|---|---|---|---|---|
|
$100.00 |
$100 and over |
0.50% |
0.50% |
|
|
$100.00 |
$100 and over |
0.50% |
0.50% |
|
|
$2,500.00 |
$2,500 to $24,999 |
0.75% |
0.75% |
|
|
$25,000 to $99,999 |
0.995% |
1.00% |
||
|
$100,000 to $499,999 |
1.49% |
1.50% |
||
|
$500,000 to $999,999 |
1.74% |
1.75% |
||
|
$1,000,000 and over |
2.86% |
2.90% |