Rates, with the date attached.
Every rate here is shown with the day it took effect and the conditions to earn it. Rates as of 1 September 2026 and may change after account opening.
Deposits
| Account | APY | Minimum to earn | Compounding |
|---|---|---|---|
| High-Yield Savings | 4.35% | $0 | Daily, paid monthly |
| Everyday Checking | 0.10% | $0 | Daily, paid monthly |
APY = Annual Percentage Yield. Rates are variable and may change at any time, including after you open the account. The rate is not tiered — you earn the same APY on the entire balance, with no minimum balance required to earn it. Fees could reduce earnings. Interest is compounded daily and credited monthly. Effective 1 September 2026.
Borrowing
| Product | APR range | Representative example |
|---|---|---|
| 30-year fixed mortgage | 6.49%–7.75% | On $400,000 at 6.49% APR, 360 monthly payments of about $2,527. Your rate depends on credit, term, loan-to-value and points. |
| 15-year fixed mortgage | 5.74%–6.99% | On $300,000 at 5.74% APR, 180 monthly payments of about $2,491. |
| Auto loan (new, 60 mo.) | 6.29%–12.99% | On $30,000 at 6.29% APR over 60 months, payments of about $584. |
| Signature Card (variable) | 19.49%–27.49% | Variable APR based on the Prime Rate and your creditworthiness. See the card pricing & terms. |
APR = Annual Percentage Rate. Ranges shown are for well-qualified applicants; your actual rate, payment and terms depend on credit history, loan amount, term, collateral and other factors, and are disclosed to you before you accept. Examples are illustrative and exclude taxes and insurance. This is not a commitment to lend. Mortgage lending: Equal Housing Lender, NMLS #[NMLS ID]. Rates effective 1 September 2026 and subject to change without notice.