The rates below are current for the month of January 2021.

StewardAccount®

MinimumRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$1000.125%0.125%
$1,0000.250%0.250%
$5,0000.375%0.376%
$10,0000.500%0.501%

Y.I. StewardAccount®

MinimumRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$25 to $10002.000%2.018%
Over $1,0000.500%0.501%

Family Emergency StewardAccount®

MinimumRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$250.500%0.501%

HSA Certificate

MinimumRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$10.125%0.125%
$2,5000.250%0.250%
$5,0000.625%0.627%
$15,0000.750%0.753%

ConnectPlus Term Note

MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$500 - $50,0002 years2.250%2.269%90 days of interest
Over $50,000---0.875%0.878%90 days of interest

PartnerPlus Term Note

MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$500 - $50,0002 years1.750%1.762%90 days of interest
$500 - $50,0004 years2.250%2.269%180 days of interest
Over $50,000---0.875%0.878%Depends on term

Fixed-Rate Term Note

MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$5001 year0.500%0.501%90 days of interest
$5002 years0.750%0.752%90 days of interest
$5003 years0.875%0.878%120 days of interest
$5004 years1.000%1.004%180 days of interest
$5005 years1.250%1.256%180 days of interest

Fixed-Rate Jumbo Note

MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$100,0005 years1.625%1.635%180 days of interest

Floating Rate Term Note

MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$10030 months0.875%0.878%120 days of interest
$10060 months1.250%1.256%180 days of interest

Floating Jumbo Note

MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$100,00060 months1.625%1.635%180 days of interest

Demand Certificate

MinimumRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$1000.250%0.250%

StewardAccount

MinimumRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$1000.250%0.250%
$250,0000.375%0.376%
$500,0000.500%0.501%
$1,000,0000.625%0.627%

PartnerPLUS Term Note – Fixed

MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$500 to $50,0002 years1.750%1.762%90 days of interest
$500 to $50,0004 years2.250%2.269%180 days of interest
Over $50,000 - portion of balance > $50,000 earns second-tier fixed rate---0.875%0.878%Depends on term

Term Notes – Fixed

MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$5001 year0.500%0.501%90 days of interest
$5002 years0.750%0.752%90 days of interest
$5003 years0.875%0.878%120 days of interest
$5004 years1.000%1.004%180 days of interest
$5005 years1.250%1.256%180 days of interest

Term Notes – Floating

MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$10030 months0.875%0.878%120 days of interest
$10060 months1.500%1.508%180 days of interest

Dedicated Certificate

MinimumRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$1000.125%0.125%
$1,0000.250%0.250%
$5,0000.375%0.376%

StewardAccount

MinimumRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$1000.250%0.250%
$1,0000.375%0.376%
$5,0000.500%0.501%
$10,0000.625%0.627%

PartnerPLUS Term Note – Fixed

MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$500 - $50,0002 years2.000%2.015%90 days of interest
$500 - $50,0004 years2.500%2.524%180 days of interest
Over $50,000---0.875%0.878%Depends on term

Term Notes – Fixed

MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$5001 year0.500%0.501%90 days of interest
$5002 years0.750%0.752%90 days of interest
$5003 years0.875%0.878%120 days of interest
$5004 years1.000%1.004%180 days of interest
$5005 years1.500%1.508%180 days of interest

Term Notes – Floating

MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$10030 months0.875%0.878%120 days of interest
$10060 months1.500%1.508%180 days of interest