Interest rates and Annual Percentage Yields are current as of November 4th, 2026 and are subject to change at the bank’s discretion.
APY = Annual Percentage Yield
Personal Checking Accounts Learn More
|
|
Minimum Daily Balance |
Tier |
Rate |
APY |
|---|---|---|---|---|
|
$0 |
$0 to $25,000 |
4.89% |
5.00% |
|
|
$25,001 and over |
0.50% |
5.00% to 1.37% |
||
|
All balances if qualifications not met |
0.05% |
0.05% |
||
|
$500.00 |
$500 to $9,999 |
0.05% |
0.05% |
|
|
$10,000 to $24,999 |
0.15% |
0.15% |
||
|
$25,000 and over |
0.65% |
0.65% |
* Indicates interest rate may change on the first of any month, all other rates may change each Wednesday.
1 To earn APY, the following qualifications must be met and all transactions and activities must post and settle to the Kasasa checking account during each monthly Qualification Cycle: at least 12 debit card purchases; at least 1 direct deposit, ACH payment, ACH credit, or bill pay transaction; be enrolled in and agree to receive eStatements.
Personal Savings Accounts Learn More
|
|
Minimum Daily Balance |
Tier |
Rate |
APY |
|---|---|---|---|---|
|
$0 |
$0 to $30,000 |
0.995% |
1.00% |
|
|
$30,001 and over |
0.25% |
0.25% |
||
|
All balances if qualifications not met |
0.05% |
0.05% |
||
|
$300.00 |
0.15% |
0.15% |
||
|
$5.00 |
|
0.15% |
0.15% |
|
|
$0.01 |
|
0.15% |
0.15% |
|
|
$100.00 |
$100 to $7,499 |
0.10% |
0.10% |
|
|
$7,500 to $19,999 |
0.15% |
0.15% |
||
|
$20,000 to $34,999 |
0.20% |
0.20% |
||
|
$35,000 to $49,999 |
0.25% |
0.25% |
||
|
$50,000 and over |
0.30% |
0.30% |
||
|
$2,500.00 |
$2,500 to $9,999 |
0.20% |
0.20% |
|
|
$10,000 to $49,999 |
0.25% |
0.25% |
||
|
$50,000 to $74,999 |
0.30% |
0.30% |
||
|
$75,000 and over |
0.35% |
0.35% |
||
|
$2,500.002 |
$2,500 to $49,999 |
0.995% |
1.00% |
|
|
$50,000 to $99,999 |
1.49% |
1.50% |
||
|
$100,000 to $249,999 |
1.74% |
1.75% |
||
|
$250,000 and over |
2.72% |
2.75% |
* Indicates interest rate may change on the first of any month, all other rates may change each Wednesday.
1 To earn APY, the following qualifications must be met and all transactions and activities must post and settle to the Kasasa checking account during each monthly Qualification Cycle: at least 12 debit card purchases; at least 1 direct deposit, ACH payment, ACH credit, or bill pay transaction; be enrolled in and agree to receive eStatements.
2 Requires $25,000 in new money, not currently on deposit with Pathfinder Bank to open.
Certificates of Deposit Learn More
|
|
Minimum Daily Balance |
Tier |
Rate |
APY |
|---|---|---|---|---|
|
6 Month CD Special with Active Account3
|
$1,000.00 |
$1,000 to $99,999 |
3.83% |
3.90% |
|
$100,000 and over |
3.93% |
4.00% |
||
|
6 Month CD Special without Active Account |
$1,000.00 |
$1,000 to $99,999 |
3.35% |
3.40% |
|
$100,000 and over |
3.59% |
3.65% |
||
|
18 Month CD Special with Active Account3 |
$1,000.00 |
$1,000 to $99,999 |
3.98% |
4.05% |
|
$100,000 and over |
4.07% |
4.15% |
||
|
18 Month CD Special without Active Account |
$1,000.00 |
$1,000 to $99,999 |
3.49% |
3.55% |
|
$100,000 and over |
3.74% |
3.80% |
||
|
$1,000.00 |
$1,000 and over |
0.80% |
0.80% |
|
|
$1,000.00 |
$1,000 and over |
0.95% |
0.95% |
|
|
$1,000.00 |
$1,000 and over |
1.04% |
1.05% |
|
|
$1,000.00 |
$1,000 and over |
1.09% |
1.10% |
Fees may reduce earnings. Early withdrawal is subject to penalty.
3 Customer must have a checking or savings account that they actively use (is not dormant) to qualify for this product
Business Deposit Accounts
|
Minimum Daily Balance |
Tier |
Rate |
APY |
|
|---|---|---|---|---|
|
Rate/APY for earnings credit only |
$100 to $4,999 |
0.03% |
0.03% |
|
|
$5,000 to $9,999 |
0.07% |
0.07% |
||
|
$10,000 and over |
0.10% |
0.10% |
||
|
Business Interest Checking* |
$1,000.00 |
$1,000 and over |
0.50% |
0.50% |
|
IOLA Checking* |
$100.00 |
$100 and over |
2.40% |
2.43% |
|
Estate Checking* |
$100.00 |
$100 and over |
0.15% |
0.15% |
|
$100.00 |
$300 and over |
0.15% |
0.15% |
|
|
$300.00 |
$300 to $9,999 |
0.15% |
0.15% |
|
|
$10,000 to $24,999 |
0.20% |
0.20% |
||
|
$25,000 and over |
0.25% |
0.25% |
||
|
$10,000.00 |
$2,500 to $9,999 |
0.35% |
0.35% |
|
|
$10,000 to $24,999 |
0.45% |
0.45% |
||
|
$25,000 to $49,999 |
0.55% |
0.55% |
||
|
$50,000 to $74,999 |
0.95% |
0.95% |
||
|
$75,000 to $249,999 |
1.29% |
1.30% |
||
|
$250,000 and over |
1.44% |
1.45% |
||
|
High Yield Business MMDA Promo4
|
$10,000.00
|
$2,500 to $99,999 |
0.40%/1.39% |
0.40%/1.40% |
|
$100,000 to $249,999 |
1.14%/2.13% |
1.15%/2.15% |
||
|
$250,000 to $499,999 |
1.49%/2.47% |
1.50%/2.50% |
||
|
$500,000 and over |
1.98%/2.96% |
2.00%/3.00% |
* Indicates interest rate may change on the first of any month, all other rates may change each Wednesday.
4 To receive the 1.00% bonus rate increase, shown above in bold, business must have an operating account carrying a minimum balance of $250,000 in a non-interest bearing account at MMDA opening.
Municipal Deposit Accounts
|
|
Minimum Daily Balance |
Tier |
Rate |
APY |
|---|---|---|---|---|
|
$100.00 |
$100 and over |
0.50% |
0.50% |
|
|
$100.00 |
$100 and over |
0.50% |
0.50% |
|
|
$2,500.00 |
$2,500 to $24,999 |
0.75% |
0.75% |
|
|
$25,000 to $99,999 |
0.995% |
1.00% |
||
|
$100,000 to $499,999 |
1.49% |
1.50% |
||
|
$500,000 to $999,999 |
1.74% |
1.75% |
||
|
$1,000,000 and over |
2.86% |
2.90% |
||
|
Municipal 6 Month CD |
$1,000.00 |
$1,000 and over |
0.70% |
0.70% |
|
Municipal 1 Year CD |
$1,000.00 |
$1,000 and over |
0.80% |
0.80% |
For additional product options tailored to your business needs, please contact our Business Services Department.