Interest rates and Annual Percentage Yields are current as of April 30th, 2025 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

Kasasa Cash Checking*1

$0

$0 to $30,000

3.93%

4.00%

$30,001 and over

0.50%

4.00% to 1.31%

All balances if qualifications not met

0.05%

0.05%

Premier Checking*

$500.00

$500 to $9,999

0.25%

0.25%

$10,000 to $24,999

0.50%

0.50%

$25,000 and over

0.995%

1.00%

Kasasa Cash Checking*1

Minimum Daily Balance

$0

Tier

$0 to $30,000

Rate

3.93%

APY

4.00%

$30,001 and over

Minimum Daily Balance

0.50%

Tier

4.00% to 1.31%

All balances if qualifications not met

Minimum Daily Balance

0.05%

Tier

0.05%

Premier Checking*

Minimum Daily Balance

$500.00

Tier

$500 to $9,999

Rate

0.25%

APY

0.25%

$10,000 to $24,999

Minimum Daily Balance

0.50%

Tier

0.50%

$25,000 and over

Minimum Daily Balance

0.995%

Tier

1.00%

* 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

Kasasa Saver*1

$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%

Statement Savings*

$300.00

 

0.20%

0.20%

Young Investor’s Club*

$5.00

 

0.20%

0.20%

Holiday Club*

$0.01

 

0.20%

0.20%

Health Savings Account*

$100.00

$100 to $7,499

0.20%

0.20%

$7,500 to $19,999

0.30%

0.30%

$20,000 to $34,999

0.40%

0.40%

$35,000 to $49,999

0.50%

0.50%

$50,000 and over

0.60%

0.60%

Money Market Deposit Account

$2,500.00

$2,500 to $9,999

0.10%

0.10%

$10,000 to $49,999

0.15%

0.15%

$50,000 to $74,999

0.20%

0.20%

$75,000 and over

0.25%

0.25%

Premier Money Market Deposit Account

$2,500.002

$2,500 to $49,999

1.98%

2.00%

$50,000 to $99,999

2.72%

2.75%

$100,000 to $249,999

3.20%

3.25%

$250,000 and over

3.69%

3.75%

Kasasa Saver*1

Minimum Daily Balance

$0

Tier

$0 to $30,000

Rate

0.995%

APY

1.00%

$30,001 and over

Minimum Daily Balance

0.25%

Tier

0.25%

All balances if qualifications not met

Minimum Daily Balance

0.05%

Tier

0.05%

Statement Savings*

Minimum Daily Balance

$300.00

Tier

 

Rate

0.20%

APY

0.20%

Young Investor’s Club*

Minimum Daily Balance

$5.00

Tier

 

Rate

0.20%

APY

0.20%

Holiday Club*

Minimum Daily Balance

$0.01

Tier

 

Rate

0.20%

APY

0.20%

Health Savings Account*

Minimum Daily Balance

$100.00

Tier

$100 to $7,499

Rate

0.20%

APY

0.20%

$7,500 to $19,999

Minimum Daily Balance

0.30%

Tier

0.30%

$20,000 to $34,999

Minimum Daily Balance

0.40%

Tier

0.40%

$35,000 to $49,999

Minimum Daily Balance

0.50%

Tier

0.50%

$50,000 and over

Minimum Daily Balance

0.60%

Tier

0.60%

Money Market Deposit Account

Minimum Daily Balance

$2,500.00

Tier

$2,500 to $9,999

Rate

0.10%

APY

0.10%

$10,000 to $49,999

Minimum Daily Balance

0.15%

Tier

0.15%

$50,000 to $74,999

Minimum Daily Balance

0.20%

Tier

0.20%

$75,000 and over

Minimum Daily Balance

0.25%

Tier

0.25%

Premier Money Market Deposit Account

Minimum Daily Balance

$2,500.002

Tier

$2,500 to $49,999

Rate

1.98%

APY

2.00%

$50,000 to $99,999

Minimum Daily Balance

2.72%

Tier

2.75%

$100,000 to $249,999

Minimum Daily Balance

3.20%

Tier

3.25%

$250,000 and over

Minimum Daily Balance

3.69%

Tier

3.75%

* 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

7 Month CD Special with Active Account*

$1,000.00

$1,000 and over

4.17%

4.25%

7 Month CD Special without Active Account*

$1,000.00

$1,000 and over

3.93%

4.00%

Choose Your Term CD Special**

$1,000.00

$1,000 and over

3.69%

3.75%

1 Year CD

$1,000.00

$1,000 and over

0.80%

0.80%

2 Year CD

$1,000.00

$1,000 and over

2.96%

3.00%

3 Year CD

$1,000.00

$1,000 and over

2.47%

2.50%

4 Year CD

$1,000.00

$1,000 and over

1.09%

1.10%

7 Month CD Special with Active Account*

Minimum Daily Balance

$1,000.00

Tier

$1,000 and over

Rate

4.17%

APY

4.25%

7 Month CD Special without Active Account*

Minimum Daily Balance

$1,000.00

Tier

$1,000 and over

Rate

3.93%

APY

4.00%

Choose Your Term CD Special**

Minimum Daily Balance

$1,000.00

Tier

$1,000 and over

Rate

3.69%

APY

3.75%

1 Year CD

Minimum Daily Balance

$1,000.00

Tier

$1,000 and over

Rate

0.80%

APY

0.80%

2 Year CD

Minimum Daily Balance

$1,000.00

Tier

$1,000 and over

Rate

2.96%

APY

3.00%

3 Year CD

Minimum Daily Balance

$1,000.00

Tier

$1,000 and over

Rate

2.47%

APY

2.50%

4 Year CD

Minimum Daily Balance

$1,000.00

Tier

$1,000 and over

Rate

1.09%

APY

1.10%

Fees may reduce earnings. Early withdrawal is subject to penalty.

*To receive the 0.25% rate increase, customer must have an active checking or savings account at certificate opening or renewal.

**Rate guaranteed for chosen term at account opening. You may choose any term between 13 months and 24 months. Refer to fee schedule. Early withdrawal is subject to penalty. Limited time offer. Upon maturity, promotional “Choose Your Term” CDs will automatically renew and convert to 12 month CD.

Business Deposit Accounts

 

Minimum Daily Balance

Tier

Rate

APY

Analyzed Business Checking*

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

0.65%

0.65%

IOLA Checking*

$100.00

$100 and over

2.67%

2.70%

Estate Checking*

$100.00

$100 and over

0.15%

0.15%

Cash Management Sweep Account

$0.00

All Balances

2.72%

2.75%

Landlord Tenant Savings*

$100.00

$300 and over

0.20%

0.20%

Business Savings*

$300.00

$300 to $9,999

0.20%

0.20%

$10,000 to $24,999

0.25%

0.25%

$25,000 and over

0.30%

0.30%

Executive Business Money Market Deposit Account

$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

0.65%

0.65%

$50,000 to $74,999

1.19%

1.20%

$75,000 to $249,999

1.54%

1.55%

$250,000 and over

1.69%

1.70%

High Yield Business MMDA Promo4

 

 

$10,000.00

 

 

$2,500 to $99,999

0.995%/1.98%

1.00%/2.00%

$100,000 to $249,999

1.74%/2.72%

1.75%/2.75%

$250,000 to $499,999

2.23%/3.20%

2.25%/3.25%

$500,000 and over

2.72%/3.69%

2.75%/3.75%

Analyzed Business Checking*

Minimum Daily Balance

Rate/APY for earnings credit only

Tier

$100 to $4,999

Rate

0.03%

APY

0.03%

$5,000 to $9,999

Minimum Daily Balance

0.07%

Tier

0.07%

$10,000 and over

Minimum Daily Balance

0.10%

Tier

0.10%

Business Interest Checking*

Minimum Daily Balance

$1,000.00

Tier

$1,000 and over

Rate

0.65%

APY

0.65%

IOLA Checking*

Minimum Daily Balance

$100.00

Tier

$100 and over

Rate

2.67%

APY

2.70%

Estate Checking*

Minimum Daily Balance

$100.00

Tier

$100 and over

Rate

0.15%

APY

0.15%

Cash Management Sweep Account

Minimum Daily Balance

$0.00

Tier

All Balances

Rate

2.72%

APY

2.75%

Landlord Tenant Savings*

Minimum Daily Balance

$100.00

Tier

$300 and over

Rate

0.20%

APY

0.20%

Business Savings*

Minimum Daily Balance

$300.00

Tier

$300 to $9,999

Rate

0.20%

APY

0.20%

$10,000 to $24,999

Minimum Daily Balance

0.25%

Tier

0.25%

$25,000 and over

Minimum Daily Balance

0.30%

Tier

0.30%

Executive Business Money Market Deposit Account

Minimum Daily Balance

$10,000.00

Tier

$2,500 to $9,999

Rate

0.35%

APY

0.35%

$10,000 to $24,999

Minimum Daily Balance

0.45%

Tier

0.45%

$25,000 to $49,999

Minimum Daily Balance

0.65%

Tier

0.65%

$50,000 to $74,999

Minimum Daily Balance

1.19%

Tier

1.20%

$75,000 to $249,999

Minimum Daily Balance

1.54%

Tier

1.55%

$250,000 and over

Minimum Daily Balance

1.69%

Tier

1.70%

High Yield Business MMDA Promo4

 

 

Minimum Daily Balance

$10,000.00

 

 

Tier

$2,500 to $99,999

Rate

0.995%/1.98%

APY

1.00%/2.00%

$100,000 to $249,999

Minimum Daily Balance

1.74%/2.72%

Tier

1.75%/2.75%

$250,000 to $499,999

Minimum Daily Balance

2.23%/3.20%

Tier

2.25%/3.25%

$500,000 and over

Minimum Daily Balance

2.72%/3.69%

Tier

2.75%/3.75%

* 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

Municipal Now Checking

$100.00

$100 and over

0.50%

0.50%

Municipal Savings

$100.00

$100 and over

0.50%

0.50%

Municipal Money Market Deposit Account

$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 Now Checking

Minimum Daily Balance

$100.00

Tier

$100 and over

Rate

0.50%

APY

0.50%

Municipal Savings

Minimum Daily Balance

$100.00

Tier

$100 and over

Rate

0.50%

APY

0.50%

Municipal Money Market Deposit Account

Minimum Daily Balance

$2,500.00

Tier

$2,500 to $24,999

Rate

0.75%

APY

0.75%

$25,000 to $99,999

Minimum Daily Balance

0.995%

Tier

1.00%

$100,000 to $499,999

Minimum Daily Balance

1.49%

Tier

1.50%

$500,000 to $999,999

Minimum Daily Balance

1.74%

Tier

1.75%

$1,000,000 and over

Minimum Daily Balance

2.86%

Tier

2.90%