APY = Annual Percentage Yield. Rates and APYs accurate as of June 1, 2023.1

Printable PDF Rate Sheet

Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.


Free Rewards Checking Learn More

Balance Tiers Minimum to Open Interest Rate APY2
≤ $10,000.99 $100 0.50% 0.50%
≥ $10,001 $100 0.05% 0.05%
If monthly qualifications are not met $100 0.01% 0.01%

Qualifications to Earn Rewards

Enrollments must be in place and all of the following transactions and activities must post and settle to your Free Reward Checking account during each Monthly Qualification Cycle: 

  • At least 1 direct deposit or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and review eStatements

Even if you don't meet your qualifications during the cycle, your account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month.

REALSaver Savings Back to Top Learn More

Balance Tiers Minimum to Open Interest Rate APY2
≤ $15,000.99 $150 0.10% 0.10%
≥ $15,001 $150 0.05% 0.05%
If monthly qualifications are not met $150 0.01% 0.01%

Qualifications to Earn the Higher Rate

Qualifying for your Free Rewards Checking rewards automatically qualifies you for the highest REALSaver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Free Rewards Checking account during each Monthly Qualification Cycle: 

  • At least 1 direct deposit or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and review eStatements

Even if you don't meet your qualifications during the cycle, your accounts are still free. Plus, you'll still earn our base interest rate on REALSaver. And you can get right back to earning your full rewards the very next month. 

NOW Checking Back to Top Learn More

Balance Tiers Minimum to Open Interest Rate APY2
≥ $1,500 $50 0.20% 0.20%
< $1,500 $50 0.01% 0.01%

IOLTA (Texas Interest On Lawyer Trust Account) Back to Top

Balance Tiers Minimum to Open Interest Rate APY2
All $1,500 1.60% 1.61%

COLTAF (Colorado Lawyer Trust Account) Back to Top

Balance Tiers Minimum to Open Interest Rate APY2
All $1,500 1.60% 1.61%

Money Market Account Back to Top Learn More

Balance Tiers Minimum to Open Interest Rate APY2
≥ $500,000 $2,500 1.60% 1.61%
$250,000 - $499,999.99 $2,500 1.50% 1.51%
$100,000 - $249,999.99 $2,500 0.50% 0.50%
$25,000 - $99,999.99 $2,500 0.20% 0.20%
≤ $24,999.99 $2,500 0.20% 0.20%

High Yield Money Market Back to Top

NOW AVAILABLE!

MINIMUM TO OPEN: $25,000 NEW MONEY5
Balance Tiers Interest Rate APY2
≥  $25,000 2.96% 3.00%
≤  $24,999.99 0.01% 0.01%

Index Fund Back to Top Learn More

Balance Tiers Minimum to Open Interest Rate APY2
≥ $100,000 $25,000 1.50% 1.51%
$50,000 - $99,999.99 $25,000 0.20% 0.20%
$25,000 - $49,999.99 $25,000 0.20% 0.20%
< $25,000 $25,000 0.20% 0.20%

High Yield Index Fund Back to Top Learn More

Balance Tiers Minimum to Open Interest Rate APY2
≥ $5,000,000 $25,000 4.25% 4.33%
$1,000,000 - $4,999,999.99 $25,000 3.75% 3.82%
$500,000 - $999,999.99 $25,000 2.75% 2.78%
$250,000 - $499,999.99 $25,000 1.50% 1.51%
≤ $249,999 $25,000 0.20% 0.20%

Checking & Savings Back to Top

Product Balance Tiers Minimum to Open Interest Rate APY2
Platinum Checking (For those 50 and older) N/A $50 0.05% 0.05%
Savings ≥ $50 $150 0.05% 0.05%
Savings < $50 $150 0.00% 0.00%

Certificate of Deposit Back to Top Learn More

Minimum Balance: $1,000

Term Interest Rate APY3
30-Day 0.05% 0.05%
90-Day 0.05% 0.05%
6-Month 5.25% 5.35%
1-Year 0.25% 0.25%
2-Year 0.50% 0.50%
3-Year >0.75% 0.75%
5-Year 0.85% 0.85%

Promotional Certificate of Deposit Back to Top Learn More

Minimum Balance: $1,000

Term Interest Rate APY3
11-Month 5.05% 5.15%
15-Month 4.00% 4.06%

IRA CD Back to Top Learn More

Minimum Balance: $250

Term Interest Rate APY3
1-Year 0.20% 0.20%
18-Month 0.75% 0.75%
3-Year 0.65% 0.65%
5-Year 0.75% 0.75%

1Rates are subject to change. Call your branch to confirm rates. Other terms and conditions may apply.

2Annual Percentage Yield (APY) on variable accounts are for comparison only and may change after the account is opened. Fees may reduce earnings.

3Annual Percentage Yield (APY) assumes reinvestment of principal and interest at the original rate for one year. There is a penalty for early withdrawal on CDs. Other terms and conditions may apply.

4Contact your local branch for additional details.

5$25,000 opening deposit must be in new money funded from a non-Independent Financial account. $10 monthly fee if daily balance falls below $25,000. Fees may reduce earnings.