APY = Annual Percentage Yield. The annual percentage yield is effective on accounts opened from 7/29/2025 until the next yield change, which is typically weekly. Interest rates are subject to change. Fees may reduce earnings. Call us at 800.326.9486 for further information
Vantage Checking* Learn More
| Tier | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| $0.01 - $25,000 | $50 | 1.00% | 1.00% |
| $25,000+ | $50 | 0.25% | 1.00% to 0.40% |
| All balances if qualifications not met | $50 | 0.01% | 0.01% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Vantage Cash account during each Monthly Qualification Cycle:
- At least 1 direct deposit or ACH credit transaction
- At least 12 debit card purchases
- Be enrolled in and review e-statements
NOW State & Business Interest Checking
| Account | Tier | Minimum to Open | Interest Rate | APY |
|---|---|---|---|---|
| NOW State | $0.01 | $50 | 0.05% | 0.05% |
| NOW State | $10,000 | $50 | 0.15% | 0.15% |
| NOW State | $100,000 | $50 | 0.25% | 0.25% |
| Business Interest | $0.01 | $50 | 0.05% | 0.05% |
| Business Interest | $10,000 | $50 | 0.15% | 0.15% |
| Business Interest | $100,000 | $50 | 0.25% | 0.25% |
Not For Profit Interest Checking
| Tier | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| $1,000 | $250 | 0.05% | 0.05% |
| $50,000 | $250 | 0.15% | 0.15% |
| $100,000 | $250 | 0.25% | 0.25% |
Health Savings Account (HSA) Learn More
| Tier | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| $0.01 | $50 | 0.05% | 0.05% |
| $1,000 | $50 | 0.10% | 0.10% |
| $10,000 | $50 | 0.15% | 0.15% |
Regular Savings & Escrow Savings Learn More
| Tier | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| $200 | $25 | 0.15% | 0.15% |
| $10,000 | $25 | 0.25% | 0.25% |
| $100,000 | $25 | 0.50% | 0.50% |
Money Market Investor (Person or Business) Learn More
| Tier | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| $0.01 | $2,500 | 0.25% | 0.25% |
| $5,000 | $2,500 | 0.50% | 0.50% |
| $10,000 | $2,500 | 0.65% | 0.65% |
| $50,000 | $2,500 | 0.75% | 0.75% |
| $100,000 | $2,500 | 1.00% | 1.00% |
| $250,000 (Business Accounts Only) | $2,500 | 1.25% | 1.26% |
| $500,000 (Business Accounts Only) | $2,500 | 1.50% | 1.51% |
| $1,000,000 (Business Accounts Only) | $2,500 | 2.00% | 2.02% |
Money Market Investor (State or Political)
| Tier | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| $0.01 | $2,500 | 0.25% | 0.25% |
| $5,000 | $2,500 | 0.50% | 0.50% |
| $10,000 | $2,500 | 0.65% | 0.65% |
| $50,000 | $2,500 | 0.75% | 0.75% |
| $100,000 | $2,500 | 1.00% | 1.00% |
Natural Energy Flex Account
| Tier | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| $0.01 | $2,500 | 0.15% | 0.15% |
| $10,000 | $2,500 | 0.25% | 0.25% |
| $25,000 | $2,500 | 0.50% | 0.50% |
| $50,000 | $2,500 | 0.75% | 0.75% |
| $100,000 | $2,500 | 1.00% | 1.00% |
| $250,000 | $2,500 | 1.50% | 1.51% |
| $500,000 | $2,500 | 2.00% | 2.02% |
This fund exclusively for proceeds from natural energy resources (windmill, gas lease, royalty payments & impact fees)
Certificates of Deposit (CDs)* Learn More
|
Term |
Minimum Balance to Earn APY |
Interest Rate |
APY |
| 1-5 Month | $500 | 0.50% | 0.50% |
| 1-5 Month | $10,000 | 0.50% | 0.50% |
| 1-5 Month | $25,000 | 0.65% | 0.65% |
| 1-5 Month | $50,000 | 0.75% | 0.75% |
| 1-5 Month | $100,000 | 1.00% | 1.00% |
| 6-11 Month | $500 | 0.50% | 0.50% |
| 6-11 Month | $10,000 | 0.65% | 0.65% |
| 6-11 Month | $25,000 | 0.75% | 0.75% |
| 6-11 Month | $50,000 | 1.00% | 1.00% |
| 6-11 Month | $100,000 | 1.25% | 1.26% |
| 5 Month | $10,000 | 3.45% | 3.49% |
| 5 Month | $50,000 | 3.90% | 3.96% |
| 5 Month | $100,000 | 3.95% | 4.01% |
| 5 Month | $250,000 | 3.95% | 4.01% |
| 12-23 Month | $500 | 2.00% | 2.02% |
| 12-23 Month | $10,000 | 2.25% | 2.27% |
| 12-23 Month | $25,000 | 2.50% | 2.52% |
| 12-23 Month | $50,000 | 2.75% | 2.78% |
| 12-23 Month | $100,000 | 3.00% | 3.03% |
| 24-35 Month | $500 | 2.25% | 2.27% |
| 24-35 Month | $10,000 | 2.50% | 2.52% |
| 24-35 Month | $25,000 | 2.75% | 2.78% |
| 24-35 Month | $50,000 | 3.00% | 3.03% |
| 24-35 Month | $100,000 | 3.25% | 3.29% |
| 36-47 Month | $500 | 2.50% | 2.52% |
| 36-47 Month | $10,000 | 3.00% | 3.03% |
| 36-47 Month | $25,000 | 3.25% | 3.29% |
| 36-47 Month | $50,000 | 3.45% | 3.49% |
| 36-47 Month | $100,000 | 3.50% | 3.55% |
| 48-59 Month | $500 | 2.75% | 2.78% |
| 48-59 Month | $10,000 | 3.00% | 3.03% |
| 48-59 Month | $25,000 | 3.30% | 3.34% |
| 48-59 Month | $50,000 | 3.45% | 3.49% |
| 48-59 Month | $100,000 | 3.50% | 3.55% |
| 60 Month | $500 | 2.85% | 2.88% |
| 60 Month | $10,000 | 3.10% | 3.14% |
| 60 Month | $25,000 | 3.40% | 3.44% |
| 60 Month | $50,000 | 3.55% | 3.60% |
| 60 Month | $100,000 | 3.60% | 3.65% |
| 66 Month | $500 | 2.85% | 2.88% |
| 66 Month | $10,000 | 3.25% | 3.29% |
| 66 Month | $25,000 | 3.50% | 3.55% |
| 66 Month | $50,000 | 3.65% | 3.70% |
| 66 Month | $100,000 | 3.70% | 3.75% |
| 72 Month | $10,000 | 2.85% | 2.88% |
| 72 Month | $25,000 | 3.55% | 3.60% |
| 72 Month | $50,000 | 3.70% | 3.75% |
| 72 Month | $100,000 | 3.75% | 3.80% |
| 1 Year Easy Access CD | $5,000 | 2.00% | 2.02% |
| 1 Year Easy Access CD | $100,000 | 3.00% | 3.03% |
| 30 Month Breakable CD | $5,000 | 2.70% | 2.73% |
| 30 Month Breakable CD | $100,000 | 3.20% | 3.24% |
| 42 Month Breakable CD | $5,000 | 3.00% | 3.03% |
| 42 Month Breakable CD | $100,000 | 3.45% | 3.49% |
*A penalty may be imposed for early withdrawal. A withdrawal will reduce earnings. Interest compounded quarterly.
Individual Retirement Account (IRA) Certificates** Learn More
| Term | Minimum Balance to Earn APY | Interest Rate | APY |
| 6-11 Month | $500 | 0.50% | 0.50% |
| 6-11 Month | $10,000 | 0.65% | 0.65% |
| 6-11 Month | $25,000 | 0.75% | 0.75% |
| 6-11 Month | $50,000 | 1.00% | 1.00% |
| 6-11 Month | $100,000 | 1.25% | 1.25% |
| 12-23 Month | $500 | 2.00% | 2.00% |
| 12-23 Month | $10,000 | 2.25% | 2.25% |
| 12-23 Month | $25,000 | 2.50% | 2.50% |
| 12-23 Month | $50,000 | 2.75% | 2.75% |
| 12-23 Month | $100,000 | 3.00% | 3.00% |
| 24-35 Month | $500 | 2.25% | 2.25% |
| 24-35 Month | $10,000 | 2.50% | 2.50% |
| 24-35 Month | $25,000 | 2.75% | 2.75% |
| 24-35 Month | $50,000 | 3.00% | 3.00% |
| 24-35 Month | $100,000 | 3.25% | 3.25% |
| 36-47 Month | $500 | 2.50% | 2.50% |
| 36-47 Month | $10,000 | 3.00% | 3.00% |
| 36-47 Month | $25,000 | 3.25% | 3.25% |
| 36-47 Month | $50,000 | 3.49% | 3.49% |
| 36-47 Month | $100,000 | 3.50% | 3.50% |
| 48-59 Month | $500 | 2.75% | 2.75% |
| 48-59 Month | $10,000 | 3.00% | 3.00% |
| 48-59 Month | $25,000 | 3.30% | 3.30% |
| 48-59 Month | $50,000 | 3.45% | 3.45% |
| 48-59 Month | $100,000 | 3.50% | 3.50% |
| 60 Month | $500 | 2.85% | 2.85% |
| 60 Month | $10,000 | 3.10% | 3.10% |
| 60 Month | $25,000 | 3.40% | 3.40% |
| 60 Month | $50,000 | 3.55% | 3.55% |
| 60 Month | $100,000 | 3.60% | 3.60% |
| 66 Month | $500 | 2.85% | 2.85% |
| 66 Month | $10,000 | 3.25% | 3.25% |
| 66 Month | $25,000 | 3.50% |
3.50% |
| 66 Month | $50,000 | 3.65% | 3.65% |
| 66 Month | $100,000 | 3.70% | 3.70% |
| 72 Month | $10,000 | 2.85% | 2.85% |
| 72 Month | $25,000 | 3.55% | 3.55% |
| 72 Month | $50,000 | 3.70% | 3.70% |
| 72 Month | $100,000 | 3.75% | 3.75% |
| 12 Month Variable IRA | $25 | 2.50% | 2.50% |
| 12 Month Variable IRA | $100,000 | 3.50% | 3.50% |
| 30 Month IRA | $500 | 3.00% | 3.00% |
| 30 Month IRA | $10,000 | 3.25% | 3.25% |
| 30 Month IRA | $25,000 | 3.50% | 3.50% |
| 30 Month IRA | $50,000 | 3.60% | 3.60% |
| 30 Month IRA | $100,000 | 3.65% | 3.65% |
| 36 Month Variable IRA | $500 | 2.50% | 2.50% |
| 36 Month Variable IRA | $100,000 | 3.25% | 3.25% |
**A penalty may be imposed for early withdrawal. A withdrawal will reduce earnings. Interest compounded annually.