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Deposit Account Rates

Effective 4/22/24

Want to feel special? Check out our CD Rate Specials here.

Savings Accounts

Type of Account Minimum Opening BalanceInterest Rate Annual Percentage Yield (APY)Daily Minimum Balance to Obtain APY*
Avidia Free Savings + Adventure Savings$100.30%0.30%$0.01
Health Savings Account**$100.03%
0.05%
0.07%
0.03%
0.05%
0.07%
$0.01 - $2,499.99
$2,500 - $19,999.99
$20,000+
Statement Holiday Clubs$100.15%0.15%$10
High Yield Savings Account$5,000^3.80%3.87%$5,000

*The average daily minimum balance is the amount of principal in the account each day.
** Interest is paid on the amount of money on deposit in each tier, creating a blended interest rate for the entire balance.
^Must be new money.

Money Market Accounts

Type of AccountMinimum Opening BalanceInterest RateAnnual Percentage Yield (APY)Daily Minimum Balance to obtain APY*
Avidia Premier Money Market*** $1,0000.30%
0.50%
0.50%
0.75%
1.00%
0.30%
0.50%
0.50%
0.75%
1.01%
$0.01 - $9,999.99
$10,000 - $24,999.99
$25,000 - $49,999.99
$50,000-$999,999.99
$1,000,000+
Avidia Premier Plus Money Market**** $1,0000.75%
0.75%
0.75%
0.95%
1.50%
0.75%
0.75%
0.75%
0.95%
1.51%
$0.01 - $4,999.99
$5,000 - $24,999,99
$25,000 - $49,999.99
$50,000-$999,999.99 $1,000,000+

*The daily minimum balance is the amount of principal in the account each day.
***A maintenance fee of $8.00 will be imposed every statement cycle if the average balance in the account falls below $2,500 during the statement cycle.
****A maintenance fee of $25.00 will be imposed every statement cycle if the average balance in the account falls below $25,000 during the statement cycle.

IRA Certificates of Deposit

CD Term Minimum Opening BalanceInterest Rate Annual Percentage Yield (APY)Daily Minimum Balance to Obtain APY*
12 Months $5004.65%4.76%$500
18 Months $5004.40%4.50%$500
24 Months $5004.10%4.18%$500
30 Months $5004.00%4.08%$500
36 Months $5003.90%3.98%$500
48 Months $5003.85%3.92%$500
60 Months $5003.75%3.82%$500

IRA Money Market

Minimum Opening Balance Balance Interest Rate Annual Percentage YieldMinimum Balance to Obtain APY*
$50$0.01 - $49,9990.50%0.50%$50
$50$50,000+0.75%0.75%$50

Certificates of Deposit

CD Term Minimum Opening BalanceInterest Rate Annual Percentage Yield (APY)Daily Minimum Balance to Obtain APY*
3 Months $1,0002.50%2.50%$1,000
6 Months $1,0003.00%3.00%$1,000
9 Months$1,0003.75%3.75%$1,000
12 Months $1,0004.65%4.76%$1,000
18 Months $1,0004.40%4.50%$1,000
24 Months $1,0004.10%4.18%$1,000
30 Months $1,0004.00%4.08%$1,000
36 Months $1,0003.90%3.98%$1,000
48 Months $1,0003.85%3.92%$1,000
60 Months $1,0003.75%3.82%$1,000

Checking Accounts

Type of Accounts Minimum Opening BalanceInterest Rate Annual Percentage Yield (APY)Daily Minimum Opening Balance to Obtain APY*
Avidia Premier Plus Checking$500.000.10%0.10%$25,000
First Checking$10.000.03%0.03%$0.01
Senior Checking$10.000.03%0.03%$0.01

*$25,000.00 minimum balance can be combined balances in Checking, Savings and Money Market Accounts in the name of the primary Account Owner. (Excludes HSA’s, IRA and CD accounts). You must maintain a minimum daily balance of $25,000.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. Fees could reduce earnings. Deposit rates are effective 02/23/2024 and are subject to change without notice.

Contact a customer service rep at any of our locations for more information about applicable fees and terms. Or, call our call center at 800-508-2265.