HighYield Savings

HighYield Savings collects and grows your HighYield and CashBack Checking rewards from either account. When you meet a few easy banking qualifications each month, you’ll see growth for your balance by earning a higher rate. ^*

 

• Free account that builds your savings effortlessly
• Links to free HighYield and CashBack Checking ¹
• Automatic transfers of HighYield or CashBack earnings
• 2.00% APY^‡ on balances as much as $100,000
• 2.00% to 1.25% APY on balances over $100,000 depending on balance in account ²
• 0.05% APY^‡ on all balances if qualifications are not met in HighYield or CashBack ³
• No monthly maintenance fee
• No minimum balance to earn rewards
• $50 minimum deposit to open

^*Qualifications to Earn the Higher Rate

Qualifying for your HighYield or CashBack rewards automatically qualifies you for the highest HighYield Savings rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your HighYield or CashBack Checking account during each Monthly Qualification Cycle:

• At least 12 debit card purchases, each greater than $5.00
• At least 1 ACH credit or ACH payment transaction
• Be enrolled in and agree to receive e-statements

And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on HighYield Savings. And you can get right back to earning your full rewards the very next cycle that you qualify.

 

^‡ APY = Annual Percentage Yield. APY is accurate as of 3/1/2026. APY calculations are based on an assumed balance of $200,000 in your HighYield Savings account and an assumed statement cycle of thirty-one (31) days. Reward Information: (1) A CashBack Checking or HighYield Checking account is required to have a HighYield Savings account. When your linked CashBack Checking or HighYield Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000 in your HighYield Savings account earn an APY of 2.00% and (2) daily balances over $100,000 earn an interest rate of 0.50% on the portion of the daily balance over $100,000, resulting in a range from 2.00% to 1.25% APY depending on the account's daily balance. (3) When your linked account qualifications are not met, the entire daily balance in the HighYield Savings account earns an interest rate of 0.05% resulting in an annual percentage yield of 0.05% APY. Interest will be credited to your HighYield Savings account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. ^* Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count towards earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our institution as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one banking day prior to the first day of the current statement cycle through one banking day prior to the last business day of the current statement cycle. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $50 minimum deposit is required to open the account. A minimum of one  ACH Credit or Debit & e-statements are a condition of this account. Limit of one account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.