Rates
Today's rates
Savings, CD, loan and mortgage rates – updated daily.
The Federal Reserve sets the federal funds rate. When it changes, our variable rates may change too – we'll notify you in advance.
Savings
| Account | APY |
|---|---|
| High-Yield Savings | 4.35% |
| Kids & Teen Savings (up to $5,000) | 3.00% |
| Premier Checking | 0.25% |
Rates as of November 9, 2026. Illustrative demo rates – APY = Annual Percentage Yield.
Certificates of Deposit
| Term | APY |
|---|---|
| 6 months | 4.25% |
| 12 months | 4.60% |
| 24 months | 4.10% |
| 60 months | 3.90% |
Borrowing
| Product | APR from |
|---|---|
| Personal loan | 8.99% |
| Auto loan | 5.49% |
| 30-year fixed mortgage | 6.512% |
| HELOC | 7.25% |
How our rates work
Savings and HELOC rates are variable and can move when the Federal Reserve changes the federal funds rate. CD rates are fixed for the full term once you open the account. Loan and mortgage rates depend on your credit profile, the amount you borrow and the term.
We publish rates daily. If our variable deposit rates change, we’ll let you know by email and in the app.
Important information
- APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates are illustrative for this demo site and subject to change without notice.
- Mortgage rates assume a 740+ credit score, 80% loan-to-value and owner-occupied single-family home.