Interest rates and Annual Percentage Yields are current as of July 2nd, 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 |
|---|---|---|---|---|
|
$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% |
||
|
$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% |
* 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 |
0.20% |
0.20% |
||
|
$5.00 |
|
0.20% |
0.20% |
|
|
$0.01 |
|
0.20% |
0.20% |
|
|
$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% |
||
|
$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% |
||
|
$2,500.002 |
$2,500 to $49,999 |
1.88% |
1.90% |
|
|
$50,000 to $99,999 |
2.63% |
2.65% |
||
|
$100,000 to $249,999 |
3.11% |
3.15% |
||
|
$250,000 and over |
3.59% |
3.65% |
* 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.
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 |
3.93% |
4.00% |
|
7 Month CD Special without Active Account* |
$1,000.00 |
$1,000 and over |
3.69% |
3.75% |
|
Choose Your Term CD Special** |
$1,000.00 |
$1,000 and over |
3.47% |
3.50% |
|
$1,000.00 |
$1,000 and over |
0.80% |
0.80% |
|
|
$1,000.00 |
$1,000 and over |
2.96% |
3.00% |
|
|
$1,000.00 |
$1,000 and over |
2.47% |
2.50% |
|
|
$1,000.00 |
$1,000 and over |
1.09% |
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 |
|
|---|---|---|---|---|
|
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% |
|
$0.00 |
All Balances |
2.72% |
2.75% |
|
|
$100.00 |
$300 and over |
0.20% |
0.20% |
|
|
$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% |
||
|
$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 |
0.90%/1.88% |
0.90%/1.90% |
|
$100,000 to $249,999 |
1.64%/2.63% |
1.65%/2.65% |
||
|
$250,000 to $499,999 |
2.13%/3.11% |
2.15%/3.15% |
||
|
$500,000 and over |
2.62%/3.59% |
2.65%/3.65% |
* 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% |