Notice: In observance of Indigenous Peoples Day, all SBSI locations will be closed Monday, October 13, 2025. Normal business hours will resume Tuesday, October 14, 2025.
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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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Rates & Fees

Looking for the best way to grow your money? With competitive CD rates and savings account rates, you can rest assured that your money is in good hands

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Certificates of Deposit

Effective as of 10/12/2025

Rates MaturityInterest RateAPY*
6 Month CD3.45%3.51%
12 Month CD3.20%3.25%
18 Month CD3.20%3.25%
24 Month CD3.20%3.25%
30 Month CD3.45%3.51%
36 Month CD2.96%3.00%
42 Month CD2.96%3.00%
48 Month CD2.96%3.00%
60 Month CD3.44%3.50%
84 Month CD2.96%3.00%
Interest rates are subject to change without notice. Substantial penalty for early withdrawal. $500 minimum balance to open the account. Fees may reduce earnings.


*Annual Percentage Yield.

 

Mutual Interest Checking

Effective as of 10/12/2025

BalanceInterest RateAPY*
$0 - $2,499.990.05%0.05%
$2,500 - $24,999.990.10%0.10%
$25,000 - $99,999.990.15%0.15%
$100,000.00 - $249,999.990.20%0.20%
$250,000 or more0.25%0.25%

Fees may reduce earnings on this account. Rates are subject to change after account opening.
*Annual Percentage Yield.

Essential Money Market

Effective as of 10/12/2025

BalanceInterest RateAPY*
$0 - $24,999.990.10%0.10%
$25,000 - $49,999.990.35%0.35%
$50,000 - $99,999.990.55%0.55%
$100,000 - $249,999.991.00%1.00%
$250,000 - $499,999.991.30%1.31%
$500,000 - $749,999.991.98%2.00%
$750,000 or more2.23%2.25%

Fees may reduce earnings on this account. Rates are subject to change after account opening.
*Annual Percentage Yield.

Mutual High Yield Savings

Effective as of 10/12/2025

BalanceInterest RateAPY*
$0 - $99,999.991.98%2.00%
$100,000.00 or more**0.10%0.10%

Fees may reduce earnings on this account. Rates are subject to change after account opening. An active Mutual Checking or Mutual Interest Checking accounts is required. The Mutual High Yield Savings will be converted to an Essential Money Market if the corresponding checking account is closed. Only one (1) Mutual High Yield Savings allowed per primary customer. 
*Annual Percentage Yield.
**Annual Percentage Yield for this tier will range from 0.10% to 2.00% depending on the balance in the account.

High Balance Savings

Effective as of 10/12/2025

BalanceInterestAPY*
$0 - $999,999.990.10%0.10%
$1,000,000 - $1,499,999.992.65%2.68%
$1,500,000 - $2,999,999.993.30%3.35%
$3,000,000 - $4,999,999.993.55%3.61%
$5,000,000 - $9,999,999.993.65%3.71%
$10,000,000 or more3.55%3.61%

Fees may reduce earnings on this account. Rates are subject to change after account opening.
*Annual Percentage Yield.

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