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Interest Rates

Deposit Rates, Loan Rates, Mortgage Rates, and Card Rates 
Deposit Rates | Mortgage Rates | Loan Rates | Credit Card Rates

Rates and Terms are subject to change at any time.
Rates updated

HIGH INTEREST CHECKING(1)(2)
APY* Range Tier Information Interest Rate
5.00% Interest on qualifying accounts up to $20,000 4.889%
1.46% to 5.00% On balances over $20,000 (qualifying accounts)✝ 0.747%
0.05% On entire balance if requirements are not met 0.050%
 * Annual Percentage Yield
✝ The blended yield for amounts exceeding $20,000 will range from 1.46% to
 5.00% APY depending on balance.
SBSU SAVER(1)(2)
APY* Range Tier Information Interest Rate
2.00% Interest on qualifying accounts up to $50,000 1.982%
1.17% to 2.00% On balances over $50,000 (qualifying accounts)✝ 0.747%
0.05% On entire balance if requirements are not met 0.050%
 * Annual Percentage Yield
✝ The blended yield for amounts exceeding $50,000 will range from 1.17% to
 2.00% APY depending on balance.
DEPOSIT INTEREST RATES
ACCOUNT TYPE INTEREST RATE APY*
REGULAR SAVINGS (1)
SAVINGS -- --
IRA (1)
$0-$24,999.99 -- --
$25,000.00 - $249,999.99 -- --
$250,000.00 & UP -- --
EMERALD ELITE (1)(3)
$0 - $24,999.99 -- --
$25,000.00 & UP -- --
MONEY MARKET ACCOUNTS (1)(3)
$500.00 - $24,999.99 -- --
$25,000.00 - $99,999.99 -- --
$100,000.00 - $499,999.99 -- --
$500,000.00 & UP -- --
CERTIFICATES OF DEPOSIT (4) We do not open CDs for other financial institutions or for deposit brokers.
1 MONTH CERTIFICATE -- --
3 MONTH CERTIFICATE -- --
6 MONTH CERTIFICATE -- --
12 MONTH - ADD ON CERTIFICATE -- --
18 MONTH CERTIFICATE -- --
24 MONTH CERTIFICATE -- --
36 MONTH CERTIFICATE -- --
48 MONTH CERTIFICATE -- --
60 MONTH CERTIFICATE -- --
MORTGAGE INTEREST RATESRates are subject to change without notice.
MORTGAGE TYPE INTEREST RATE APR**
30 Year Fixed as low as -- as low as --
15 Year Fixed as low as -- as low as --
FHA as low as -- as low as --
VA as low as -- as low as --
LOAN INTEREST RATES
LOAN TYPE APR**
Auto Loan as low as --
Home Equity as low as --(5)
Boat/RV as low as --
ATV as low as --
CREDIT CARD INTEREST RATES(6) All rates are variable.
CARD TYPE APR**
Classic Low Rate Card --
Platinum Rewards Card --
Business Low Rate Card --
Business Rewards Card --
SureCash --
BIG INTEREST CHECKING(1)(2)
APY* Range Tier Information Interest Rate
-- BIG Interest on qualifying accounts up to $50,000 --
-- to -- On balances over $50,000 (qualifying accounts)** --
-- On entire balance if requirements are not met --
 * Annual Percentage Yield
** The blended yield for amounts exceeding $50,000 will range from -- to
 -- APY depending on balance.

*APY – Annual Percentage Yield is accurate as of the date specified at the top of page.
**APR – Annual Percentage Rate is accurate as of the date specified at the top of page.
(1) Variable Rate Accounts. The rate may change after the account is opened.
(2) Qualifying accounts must meet the following criteria during each Monthly Qualification Cycle: 1) At least 2 direct deposit, ACH payment, or ACH credit transaction(s), 2) At least 12 debit card purchases, and 3) Be enrolled in e-statements. A SBSU Saver account automatically qualifies when a linked SBSU Checking account meets the same criteria. See product page for details.
(3) Minimum balance fees apply, see nearest branch for details.
(4) Time Accounts: $500 minimum opening deposit. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on accounts. Contact a New Accounts Representative for further information about applicable fees and terms.
(5) Annual Percentage Rate (APR) for Home Equity is based on Wall Street Journal Prime. It is a variable rate that is subject to change. The minimum APR is 3.95% with a maximum 18%. Rate listed is for borrowers with good credit history, other programs are available. Minimum new loan of $10,000 or more. Only for single family, owner occupied homes with a maximum loan to value of 80%. Property insurance is required. There is no cost to open a line of credit with a limit under $200,000; borrowers may be subject to a $500 charge if the line is closed within three years.
(6) View credit card disclosure statements, accurate as of December 11, 2025: Classic Low Rate | Platinum Rewards | Business Low Rate | Business Rewards