Rates
Published up front, with an effective date, so you can compare before you open an account.
Deposit and lending rates
Current rates
Choose personal or business to see the full table. Rates are reviewed regularly and are subject to change.
Checking
| Product | Rate |
|---|---|
| Military Retired Pay Account | 0.25%APY |
Savings
| Product | Rate |
|---|---|
| High-Yield Savings | 4.10%APY |
| Retirement Deposit Account | 3.95%APY |
Certificates
| Product | Rate |
|---|---|
| 12-Month Certificate | 3.90%APY |
| 24-Month Certificate | 3.75%APY |
Lending
| Product | Rate |
|---|---|
| Personal Loan | 8.49%APR |
| Auto Loan | 6.29%APR |
| Home Equity Line | 7.75%APR |
Rates effective October 1, 2026. APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates are variable and subject to change without notice. Fees may reduce earnings. The rate shown is current as of the effective date and is not a commitment to lend.
Fees
The full fee schedule
No monthly maintenance fee on personal accounts, no overdraft fee and no non-sufficient-funds fee.
| Item | Amount | Note |
|---|---|---|
| Monthly maintenance | $0 | All personal accounts |
| Minimum balance | $0 | No minimum on checking or savings |
| Overdraft | $0 | We do not charge overdraft fees |
| Non-sufficient funds | $0 | — |
| Out-of-network ATM | $2.50 | Plus any operator fee |
| Domestic wire (outgoing) | $25 | — |
| International wire (outgoing) | $45 | — |
| Stop payment | $30 | — |
| Paper statement | $3 | eStatements are free |
| Replacement debit card | $0 | — |
| Returned item | $0 | — |
Effective October 1, 2026. Fees are subject to change with notice.
Cut-off times
When a payment has to be in
Times are Pacific. A payment submitted after the cut-off is processed the next business day.
- ACH transfer
- 4:00pm PT for same-business-day processing
- Domestic wire
- 2:00pm PT for same-business-day delivery
- International wire
- 11:00am PT for same-business-day processing
- Mobile deposit
- 6:00pm PT for same-business-day credit
Work it out
Calculators
Two questions people ask most often: what would a loan cost each month, and how much do I need to put aside to reach a goal.
Loan payment
Work out what a fixed-rate loan would cost each month.
Between $1,000 and $5,000,000
Estimated monthly payment
$489.04
- Amount borrowed
- $25,000.00
- Total interest
- $4,342.20
- Total repaid
- $29,342.20
Estimate only not an offer. Your rate and terms are confirmed in writing before you sign.
Savings goal
Find the monthly deposit that gets you to a target by a chosen date.
What you want to have saved
Monthly deposit needed
$525.76
- You deposit
- $18,927.29
- Interest earned
- $1,072.71
- Goal
- $20,000.00
Estimate only not an offer. Assumes a fixed rate, monthly deposits and interest credited monthly.
Need a decision on your numbers
Talk to a banker
A published rate is a starting point. What you are actually offered depends on the term and the strength of the application and we will tell you why.
