Certificates of Deposit
Effective as of 11/3/2025
| Rates Maturity | Interest Rate | APY* |
|---|---|---|
| 6 Month CD | 3.45% | 3.51% |
| 12 Month CD | 3.20% | 3.25% |
| 18 Month CD | 3.20% | 3.25% |
| 24 Month CD | 3.20% | 3.25% |
| 30 Month CD | 3.45% | 3.51% |
| 36 Month CD | 2.96% | 3.00% |
| 42 Month CD | 2.96% | 3.00% |
| 48 Month CD | 2.96% | 3.00% |
| 60 Month CD | 3.44% | 3.50% |
| 84 Month CD | 2.96% | 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.
*Annual Percentage Yield.
Mutual Interest Checking
Effective as of 11/3/2025
| Balance | Interest Rate | APY* |
|---|---|---|
| $0 - $2,499.99 | 0.05% | 0.05% |
| $2,500 - $24,999.99 | 0.10% | 0.10% |
| $25,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000.00 - $249,999.99 | 0.20% | 0.20% |
| $250,000 or more | 0.25% | 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 11/3/2025
| Balance | Interest Rate | APY* |
|---|---|---|
| $0 - $24,999.99 | 0.10% | 0.10% |
| $25,000 - $49,999.99 | 0.35% | 0.35% |
| $50,000 - $99,999.99 | 0.55% | 0.55% |
| $100,000 - $249,999.99 | 1.00% | 1.00% |
| $250,000 - $499,999.99 | 1.30% | 1.31% |
| $500,000 - $749,999.99 | 1.98% | 2.00% |
| $750,000 or more | 2.23% | 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 11/3/2025
| Balance | Interest Rate | APY* |
|---|---|---|
| $0 - $99,999.99 | 1.98% | 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 11/3/2025
| Balance | Interest | APY* |
|---|---|---|
| $0 - $999,999.99 | 0.10% | 0.10% |
| $1,000,000 - $1,499,999.99 | 2.65% | 2.68% |
| $1,500,000 - $2,999,999.99 | 3.30% | 3.35% |
| $3,000,000 - $4,999,999.99 | 3.55% | 3.61% |
| $5,000,000 - $9,999,999.99 | 3.65% | 3.71% |
| $10,000,000 or more | 3.55% | 3.61% |
Fees may reduce earnings on this account. Rates are subject to change after account opening.
*Annual Percentage Yield.
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Rates & Fees