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***Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings.
⭐For 50+ customers
With age comes perks! This account gives you extra benefits if you’re 50-years-old or older.
If you’re 50 or older, you’ll want to take a look at our Advantage 50 Interest Checking Account. This account not only lets you earn interest on your balance, but it also gives you free personalized checks for life. You’ll enjoy competitive rates and the added peace of mind that comes with no required minimum balance.
As of 4/20/2025
| Annual Percentage Yield (APY)*** | Interest Rate*** |
|---|---|
| 0.05% | 0.05% |
***Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings.
⭐For maximum interest
Put your money to work by earning the highest interest rate we offer on a checking account! (and even if your balance dips below the minimum, you’ll still earn a competitive interest rate)
Are you looking to earn as much interest as possible? Introducing the Preferred Interest Checking Account. This account is ideal if you plan to have at least $1,500 in it at all times. When you do, you’ll earn the highest interest rate we offer on a checking account — all while enjoying the benefits of free checking.
Don’t worry if your balance falls below $1,500. You still earn our competitive interest rate.
As of 4/20/2025
| Annual Percentage Yield (APY)*** | Interest Rate*** | |
|---|---|---|
| Balances Under $1,500 | 0.05% | 0.05% |
| Balances $1,500 or more | 0.10% | 0.10% |
***Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings.
| Simply Free Checking | Direct Interest Checking | Advantage 50 Interest Checking | Preferred Interest Checking | |
|---|---|---|---|---|
| Account Overview | A free, no-frills account with no minimum balance. | All the benefits of a Simply Free account with the ability to earn interest. | All the benefits of a Direct Interest Checking account plus additional perks. | Earn the highest interest rate available for a checking account. |
| Open Online | ||||
| Requirements | None | Must have direct deposit or automatic payments set up to qualify. | Must be at least 50-years-old to qualify. | Must have a minimum account balance of $1,500 to avoid a monthly fee. |
| Minimum Opening Balance | $50 | $50 | $50 | $50 |
| Minimum Balance Required | None | None | None | Not required, but a monthly fee will apply if the daily balance goes below $1,500 |
| Monthly Fee | $0 | $0 | $0 | $7, waived if the daily balance is $1,500 or more* |
| Checks | First box of checks free | First box of checks free | Unlimited checks | Unlimited checks |
| APY*** | .00% | 0.05% | 0.05% | Balances under $1,500 – 0.05% Balances $1,500 or more – 0.10% |
| Interest Rate*** | .00% | 0.05% | 0.05% | Balances under $1,500 – 0.05% Balances $1,500 or more – 0.10% |
*Monthly Fee will be assessed if balance falls below the Minimum Daily Balance Requirements anytime during the statement period.
***Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings.
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