Personal · Account Services
Digital Banking — Your Branch, Everywhere
Bank anytime, anywhere, on practically any device. We're right there with you — like a branch at your fingertips.
Digital Banking
What's Available
Everything You Need to Bank Anywhere
One account, one app, every tool — built right in and free with your BRB checking or savings account.
eStatements
Free, secure, paperless statements — with history at your fingertips and an email the moment a new one's ready.
Online Banking & Bill Pay
Check balances, transfer funds, and pay one-time or recurring bills — 24/7 from any browser.
Mobile Banking & Deposit
Bank from your phone — check balances, transfer, and deposit checks anytime, anywhere.
Digital Wallet
Add your BRB card to Apple Pay, Google Pay, or Samsung Pay and tap to pay in stores and online.
Zelle®
Send and receive money with people you trust in minutes — right from the app, free from BRB.
All Free with Your Account
Online banking, bill pay, the mobile app, mobile deposit, digital wallet, and Zelle® — no fees from BRB.
How It Works
Getting Started Is Easy
1
Enroll
Enroll online at go.mybrb.com/enroll in minutes — or any branch can help you set it up.
2
Download the App
Get the free myBRB app from the App Store or Google Play to bank from your phone.
3
Bank Anywhere
Check balances, pay bills, deposit checks, and send money with Zelle® — anytime.
Take It With You
Download the myBRB App
Bank from your phone — check balances, deposit checks, pay bills, and send money with Zelle®.
Getting Started
Digital Banking Questions
The essentials for enrolling and banking from anywhere.
{beginAccordions}
HOW DO I ENROLL IN DIGITAL BANKING?
Enroll online at go.mybrb.com/enroll in minutes, or download the myBRB mobile app from the App Store or Google Play. Any branch or local banker can also help you get started.
HOW FAR BACK CAN I SEE MY ESTATEMENTS?
You can view statements back farther than 18 months through online banking, and you'll get an email each time a new eStatement is ready. To sign up, go to the “Documents” tab within online banking.
HOW DO I ENDORSE A CHECK FOR MOBILE DEPOSIT?
Endorse your check with “For Mobile Deposit Only at Blue Ridge Bank.” Mobile deposit is free for customers with a BRB checking account and the myBRB app, and requires enrollment — it's not automatic. *Wireless carrier data rates may apply.
{endAccordions}
DIGITAL WALLET
Digital Wallet Frequently Asked Questions
Apple Pay, Google Pay, and Samsung Pay — setup, in-store use, and what to do if your card or device is lost.
{beginAccordions}
WHERE DOES THE CONTACT INFORMATION COME FROM FOR THE TEXT OR EMAIL PASSCODE?
The phone number or email BRB uses to deliver your one-time passcode comes from the information we have on file. Need to update it? Contact your local BRB representative or customer service at (888) 331-6521.
HOW DO I USE APPLE PAY IN STORES?
Look for the contactless and Apple Pay symbol at the register, hold your iPhone near the reader with your finger on Touch ID, and keep it there until it vibrates and beeps to confirm your payment was accepted.
HOW DO I USE SAMSUNG PAY IN STORES?
Swipe up to launch Samsung Pay, place your finger on the home key or enter your PIN, choose your card, and hold your device near the reader. For traditional magnetic-stripe terminals, place the back of your device where you'd normally swipe until you see a payment-success message.
HOW DO I USE GOOGLE PAY IN STORES?
Look for the contactless symbol at the register, unlock your phone, hold it near the merchant's reader, and you'll see a confirmation right on your screen.
WHY AM I RECEIVING AN “ACCOUNT NOT SUPPORTED” MESSAGE IN GOOGLE PAY OR SAMSUNG PAY?
Old G Suite accounts (issued by nonprofits, education, or government organizations) aren't supported in digital wallet — for example, a Gmail set up by your school. You'll need a standard Gmail account to enroll.
WHAT HAPPENS IF MY CARD IS LOST, STOLEN, OR MISPLACED?
Delete the card from your digital wallet and notify BRB customer service at (888) 331-6521 or [email protected] (credit cards: [email protected]), or visit your local BRB branch for help. When you receive a new card, re-enroll using the same steps.
WHAT IF MY CARD HAS EXPIRED OR IS EXPIRING?
Your digital wallet updates automatically when a new expiration date or CVV is issued. If that doesn't happen or you see an error, contact customer service at (888) 331-6521 or [email protected].
CAN I REMOVE MY DEBIT CARD FROM MY DIGITAL WALLET?
Yes — you can delete your card from your digital wallet at any time.
WHAT IF I DISPUTE A TRANSACTION WITH A MERCHANT WHERE I USED MY DIGITAL WALLET?
Digital wallet disputes are handled the same way as traditional transactions. Contact customer service at (888) 331-6521 or [email protected] (credit cards: [email protected]) for assistance, or visit your local BRB branch.
CAN ONE CARD BE ENROLLED ON TWO DEVICES?
Yes — you can enroll the same BRB card on multiple devices.
WHAT DO I DO IF MY DEVICE IS LOST OR STOLEN AFTER I ADD MY CARD TO MY DIGITAL WALLET?
Use your device's find-my service to remotely erase or suspend the card, and contact BRB customer service at (888) 331-6521 or [email protected] so we can disable the card on file. You can also visit your local BRB branch for help.
{endAccordions}
ZELLE®
Zelle® Frequently Asked Questions
Fast, safe money transfers to people you trust — how it works, getting started, and canceling a payment.
{beginAccordions}
WHAT IS ZELLE®?
A fast, safe, and easy way to send money to friends, family, and people you trust — right from your BRB app or online banking. Money typically moves between enrolled users in minutes, even if they bank somewhere else.¹
HOW DO I USE ZELLE®?
Log into the BRB app or online banking, select “Send Money with Zelle®,” choose a recipient from your contacts or enter their U.S. mobile number or email, enter the amount, and send.
HOW DO I GET STARTED?
Log into the Blue Ridge Bank app, select “Send Money with Zelle®,” enroll your U.S. mobile number or email address, verify your identity, and you're ready to send and receive.
WHAT IF I GET AN ERROR MESSAGE WHEN I TRY TO ENROLL AN EMAIL ADDRESS OR U.S. MOBILE NUMBER?
Your email or U.S. mobile number may already be enrolled with Zelle® at another bank or credit union. To enroll with BRB, first contact the other institution to have it removed, then try again.
IS MY INFORMATION SECURE?
Yes. Zelle® uses the same trusted network and security that protects your BRB account. Keep your contact information current so you receive alerts about activity.
I'M UNSURE ABOUT USING ZELLE® TO PAY SOMEONE I DON'T KNOW. WHAT SHOULD I DO?
Only use Zelle® to pay people you know and trust. Payments are quick and typically can't be reversed, so treat them like cash — don't use Zelle® for goods or services from strangers.
CAN I USE ZELLE® INTERNATIONALLY?
No. Zelle® only works with U.S.-based bank accounts and U.S. mobile numbers or email addresses.
CAN I CANCEL A PAYMENT?
You can cancel a payment if the recipient hasn't yet enrolled with Zelle®. If they're already enrolled, the money is sent directly to their account and typically can't be reversed.
SOMEONE SENT ME MONEY WITH ZELLE® — HOW DO I RECEIVE IT?
If you're already enrolled, the money moves directly into your BRB account — typically in minutes. If not, you'll get a notification with instructions to enroll and claim it.
HOW LONG DOES IT TAKE TO RECEIVE MONEY WITH ZELLE®?
Money sent to an enrolled user typically arrives in minutes. If the recipient isn't enrolled yet, they'll need to enroll first, which can take longer.
DOES ZELLE® REPORT HOW MUCH MONEY I RECEIVE TO THE IRS?
BRB may be required to report certain payment information to the IRS for business transactions; personal payments to friends and family generally do not apply. Consult a tax advisor for your situation.
{endAccordions}
Take It With You
Download the myBRB App
Bank from your phone — check balances, deposit checks, pay bills, and send money with Zelle®.
Getting Started
Digital Banking Questions
The essentials for enrolling and banking from anywhere.
{beginAccordions}
HOW DO I ENROLL IN DIGITAL BANKING?
Enroll online at go.mybrb.com/enroll in minutes, or download the myBRB mobile app from the App Store or Google Play. Any branch or local banker can also help you get started.
HOW FAR BACK CAN I SEE MY ESTATEMENTS?
You can view statements back farther than 18 months through online banking, and you'll get an email each time a new eStatement is ready. To sign up, go to the “Documents” tab within online banking.
HOW DO I ENDORSE A CHECK FOR MOBILE DEPOSIT?
Endorse your check with “For Mobile Deposit Only at Blue Ridge Bank.” Mobile deposit is free for customers with a BRB checking account and the myBRB app, and requires enrollment — it's not automatic. *Wireless carrier data rates may apply.
{endAccordions}
DIGITAL WALLET
Digital Wallet Frequently Asked Questions
Apple Pay, Google Pay, and Samsung Pay — setup, in-store use, and what to do if your card or device is lost.
{beginAccordions}
WHERE DOES THE CONTACT INFORMATION COME FROM FOR THE TEXT OR EMAIL PASSCODE?
The phone number or email BRB uses to deliver your one-time passcode comes from the information we have on file. Need to update it? Contact your local BRB representative or customer service at (888) 331-6521.
HOW DO I USE APPLE PAY IN STORES?
Look for the contactless and Apple Pay symbol at the register, hold your iPhone near the reader with your finger on Touch ID, and keep it there until it vibrates and beeps to confirm your payment was accepted.
HOW DO I USE SAMSUNG PAY IN STORES?
Swipe up to launch Samsung Pay, place your finger on the home key or enter your PIN, choose your card, and hold your device near the reader. For traditional magnetic-stripe terminals, place the back of your device where you'd normally swipe until you see a payment-success message.
HOW DO I USE GOOGLE PAY IN STORES?
Look for the contactless symbol at the register, unlock your phone, hold it near the merchant's reader, and you'll see a confirmation right on your screen.
WHY AM I RECEIVING AN “ACCOUNT NOT SUPPORTED” MESSAGE IN GOOGLE PAY OR SAMSUNG PAY?
Old G Suite accounts (issued by nonprofits, education, or government organizations) aren't supported in digital wallet — for example, a Gmail set up by your school. You'll need a standard Gmail account to enroll.
WHAT HAPPENS IF MY CARD IS LOST, STOLEN, OR MISPLACED?
Delete the card from your digital wallet and notify BRB customer service at (888) 331-6521 or [email protected] (credit cards: [email protected]), or visit your local BRB branch for help. When you receive a new card, re-enroll using the same steps.
WHAT IF MY CARD HAS EXPIRED OR IS EXPIRING?
Your digital wallet updates automatically when a new expiration date or CVV is issued. If that doesn't happen or you see an error, contact customer service at (888) 331-6521 or [email protected].
CAN I REMOVE MY DEBIT CARD FROM MY DIGITAL WALLET?
Yes — you can delete your card from your digital wallet at any time.
WHAT IF I DISPUTE A TRANSACTION WITH A MERCHANT WHERE I USED MY DIGITAL WALLET?
Digital wallet disputes are handled the same way as traditional transactions. Contact customer service at (888) 331-6521 or [email protected] (credit cards: [email protected]) for assistance, or visit your local BRB branch.
CAN ONE CARD BE ENROLLED ON TWO DEVICES?
Yes — you can enroll the same BRB card on multiple devices.
WHAT DO I DO IF MY DEVICE IS LOST OR STOLEN AFTER I ADD MY CARD TO MY DIGITAL WALLET?
Use your device's find-my service to remotely erase or suspend the card, and contact BRB customer service at (888) 331-6521 or [email protected] so we can disable the card on file. You can also visit your local BRB branch for help.
{endAccordions}
ZELLE®
Zelle® Frequently Asked Questions
Fast, safe money transfers to people you trust — how it works, getting started, and canceling a payment.
{beginAccordions}
WHAT IS ZELLE®?
A fast, safe, and easy way to send money to friends, family, and people you trust — right from your BRB app or online banking. Money typically moves between enrolled users in minutes, even if they bank somewhere else.¹
HOW DO I USE ZELLE®?
Log into the BRB app or online banking, select “Send Money with Zelle®,” choose a recipient from your contacts or enter their U.S. mobile number or email, enter the amount, and send.
HOW DO I GET STARTED?
Log into the Blue Ridge Bank app, select “Send Money with Zelle®,” enroll your U.S. mobile number or email address, verify your identity, and you're ready to send and receive.
WHAT IF I GET AN ERROR MESSAGE WHEN I TRY TO ENROLL AN EMAIL ADDRESS OR U.S. MOBILE NUMBER?
Your email or U.S. mobile number may already be enrolled with Zelle® at another bank or credit union. To enroll with BRB, first contact the other institution to have it removed, then try again.
IS MY INFORMATION SECURE?
Yes. Zelle® uses the same trusted network and security that protects your BRB account. Keep your contact information current so you receive alerts about activity.
I'M UNSURE ABOUT USING ZELLE® TO PAY SOMEONE I DON'T KNOW. WHAT SHOULD I DO?
Only use Zelle® to pay people you know and trust. Payments are quick and typically can't be reversed, so treat them like cash — don't use Zelle® for goods or services from strangers.
CAN I USE ZELLE® INTERNATIONALLY?
No. Zelle® only works with U.S.-based bank accounts and U.S. mobile numbers or email addresses.
CAN I CANCEL A PAYMENT?
You can cancel a payment if the recipient hasn't yet enrolled with Zelle®. If they're already enrolled, the money is sent directly to their account and typically can't be reversed.
SOMEONE SENT ME MONEY WITH ZELLE® — HOW DO I RECEIVE IT?
If you're already enrolled, the money moves directly into your BRB account — typically in minutes. If not, you'll get a notification with instructions to enroll and claim it.
HOW LONG DOES IT TAKE TO RECEIVE MONEY WITH ZELLE®?
Money sent to an enrolled user typically arrives in minutes. If the recipient isn't enrolled yet, they'll need to enroll first, which can take longer.
DOES ZELLE® REPORT HOW MUCH MONEY I RECEIVE TO THE IRS?
BRB may be required to report certain payment information to the IRS for business transactions; personal payments to friends and family generally do not apply. Consult a tax advisor for your situation.
{endAccordions}
Take It With You
Download the myBRB App
Bank from your phone — check balances, deposit checks, pay bills, and send money with Zelle®.
Getting Started
Digital Banking Questions
The essentials for enrolling and banking from anywhere.
{beginAccordions}
HOW DO I ENROLL IN DIGITAL BANKING?
Enroll online at go.mybrb.com/enroll in minutes, or download the myBRB mobile app from the App Store or Google Play. Any branch or local banker can also help you get started.
HOW FAR BACK CAN I SEE MY ESTATEMENTS?
You can view statements back farther than 18 months through online banking, and you'll get an email each time a new eStatement is ready. To sign up, go to the “Documents” tab within online banking.
HOW DO I ENDORSE A CHECK FOR MOBILE DEPOSIT?
Endorse your check with “For Mobile Deposit Only at Blue Ridge Bank.” Mobile deposit is free for customers with a BRB checking account and the myBRB app, and requires enrollment — it's not automatic. *Wireless carrier data rates may apply.
{endAccordions}
DIGITAL WALLET
Digital Wallet Frequently Asked Questions
Apple Pay, Google Pay, and Samsung Pay — setup, in-store use, and what to do if your card or device is lost.
{beginAccordions}
WHERE DOES THE CONTACT INFORMATION COME FROM FOR THE TEXT OR EMAIL PASSCODE?
The phone number or email BRB uses to deliver your one-time passcode comes from the information we have on file. Need to update it? Contact your local BRB representative or customer service at (888) 331-6521.
HOW DO I USE APPLE PAY IN STORES?
Look for the contactless and Apple Pay symbol at the register, hold your iPhone near the reader with your finger on Touch ID, and keep it there until it vibrates and beeps to confirm your payment was accepted.
HOW DO I USE SAMSUNG PAY IN STORES?
Swipe up to launch Samsung Pay, place your finger on the home key or enter your PIN, choose your card, and hold your device near the reader. For traditional magnetic-stripe terminals, place the back of your device where you'd normally swipe until you see a payment-success message.
HOW DO I USE GOOGLE PAY IN STORES?
Look for the contactless symbol at the register, unlock your phone, hold it near the merchant's reader, and you'll see a confirmation right on your screen.
WHY AM I RECEIVING AN “ACCOUNT NOT SUPPORTED” MESSAGE IN GOOGLE PAY OR SAMSUNG PAY?
Old G Suite accounts (issued by nonprofits, education, or government organizations) aren't supported in digital wallet — for example, a Gmail set up by your school. You'll need a standard Gmail account to enroll.
WHAT HAPPENS IF MY CARD IS LOST, STOLEN, OR MISPLACED?
Delete the card from your digital wallet and notify BRB customer service at (888) 331-6521 or [email protected] (credit cards: [email protected]), or visit your local BRB branch for help. When you receive a new card, re-enroll using the same steps.
WHAT IF MY CARD HAS EXPIRED OR IS EXPIRING?
Your digital wallet updates automatically when a new expiration date or CVV is issued. If that doesn't happen or you see an error, contact customer service at (888) 331-6521 or [email protected].
CAN I REMOVE MY DEBIT CARD FROM MY DIGITAL WALLET?
Yes — you can delete your card from your digital wallet at any time.
WHAT IF I DISPUTE A TRANSACTION WITH A MERCHANT WHERE I USED MY DIGITAL WALLET?
Digital wallet disputes are handled the same way as traditional transactions. Contact customer service at (888) 331-6521 or [email protected] (credit cards: [email protected]) for assistance, or visit your local BRB branch.
CAN ONE CARD BE ENROLLED ON TWO DEVICES?
Yes — you can enroll the same BRB card on multiple devices.
WHAT DO I DO IF MY DEVICE IS LOST OR STOLEN AFTER I ADD MY CARD TO MY DIGITAL WALLET?
Use your device's find-my service to remotely erase or suspend the card, and contact BRB customer service at (888) 331-6521 or [email protected] so we can disable the card on file. You can also visit your local BRB branch for help.
{endAccordions}
ZELLE®
Zelle® Frequently Asked Questions
Fast, safe money transfers to people you trust — how it works, getting started, and canceling a payment.
{beginAccordions}
WHAT IS ZELLE®?
A fast, safe, and easy way to send money to friends, family, and people you trust — right from your BRB app or online banking. Money typically moves between enrolled users in minutes, even if they bank somewhere else.¹
HOW DO I USE ZELLE®?
Log into the BRB app or online banking, select “Send Money with Zelle®,” choose a recipient from your contacts or enter their U.S. mobile number or email, enter the amount, and send.
HOW DO I GET STARTED?
Log into the Blue Ridge Bank app, select “Send Money with Zelle®,” enroll your U.S. mobile number or email address, verify your identity, and you're ready to send and receive.
WHAT IF I GET AN ERROR MESSAGE WHEN I TRY TO ENROLL AN EMAIL ADDRESS OR U.S. MOBILE NUMBER?
Your email or U.S. mobile number may already be enrolled with Zelle® at another bank or credit union. To enroll with BRB, first contact the other institution to have it removed, then try again.
IS MY INFORMATION SECURE?
Yes. Zelle® uses the same trusted network and security that protects your BRB account. Keep your contact information current so you receive alerts about activity.
I'M UNSURE ABOUT USING ZELLE® TO PAY SOMEONE I DON'T KNOW. WHAT SHOULD I DO?
Only use Zelle® to pay people you know and trust. Payments are quick and typically can't be reversed, so treat them like cash — don't use Zelle® for goods or services from strangers.
CAN I USE ZELLE® INTERNATIONALLY?
No. Zelle® only works with U.S.-based bank accounts and U.S. mobile numbers or email addresses.
CAN I CANCEL A PAYMENT?
You can cancel a payment if the recipient hasn't yet enrolled with Zelle®. If they're already enrolled, the money is sent directly to their account and typically can't be reversed.
SOMEONE SENT ME MONEY WITH ZELLE® — HOW DO I RECEIVE IT?
If you're already enrolled, the money moves directly into your BRB account — typically in minutes. If not, you'll get a notification with instructions to enroll and claim it.
HOW LONG DOES IT TAKE TO RECEIVE MONEY WITH ZELLE®?
Money sent to an enrolled user typically arrives in minutes. If the recipient isn't enrolled yet, they'll need to enroll first, which can take longer.
DOES ZELLE® REPORT HOW MUCH MONEY I RECEIVE TO THE IRS?
BRB may be required to report certain payment information to the IRS for business transactions; personal payments to friends and family generally do not apply. Consult a tax advisor for your situation.
{endAccordions}
Kasasa Cash CalculatorDisclaimer
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
CD CalculatorDisclaimer
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
Simple Loan CalculatorDisclaimer
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Business Certificates of Deposit Rates
| Term | Interest Rate | APY* | Min. Balance |
|---|---|---|---|
| 3 – 5 Months | 1.49% | 1.50% | $1,000 |
| 6 Months | 1.59% | 1.60% | $1,000 |
| 7 – 11 Months | 1.69% | 1.70% | $1,000 |
| 12 Months | 1.79% | 1.80% | $1,000 |
| 13 – 23 Months | 1.29% | 1.30% | $1,000 |
| 24 – 35 Months | 1.34% | 1.35% | $1,000 |
| 36 – 47 Months | 1.39% | 1.40% | $1,000 |
| 48 – 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months+ | 1.49% | 1.50% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Business Money Market Rates
| Balance | Rate | APY** |
|---|---|---|
| $0 – $24,999.99 | 0.25% | 0.25% |
| $25,000 – $49,999.99 | 1.00% | 1.00% |
| $50,000 – $99,999.99 | 1.50% | 1.53% |
| $100,000 – $249,999.99 | 2.00% | 2.03% |
| $250,000 – $499,999.99 | 2.20% | 2.23% |
| $500,000 – $999,999.99 | 2.55% | 2.58% |
| $1,000,000 – $2,999,999.99 | 2.74% | 2.78% |
| $3,000,000 – $4,999,999.99 | 2.94% | 2.98% |
| $5,000,000 and Greater | 3.18% | 3.23% |
**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business Savings Rates
| Balance | Rate | APY* |
|---|---|---|
| $500.00 | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business with Interest Rates
| Balance | Rate | APY* |
|---|---|---|
| $3,000.00 | 0.10% | 0.10% |
*APY accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $100.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Certificate of Deposit Specials Rates
| Term | Rate | APY* | Min. Balance |
|---|---|---|---|
| 5 Months | 3.71% | 3.75% | $1,000 |
| 10 Months | 3.94% | 4.00% | $1,000 |
| 15 Months | 3.94% | 4.00% | $1,000 |
| 23 Months | 3.99% | 4.05% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. Limited-time offer. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Charitable Checking Rates
| Product | Interest Rate | APY* |
|---|---|---|
| Charitable Account | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Consumer Certificates of Deposit Rates
| Term | Interest Rate | APY** | Min. Balance |
|---|---|---|---|
| 3 – 5 Months | 1.49% | 1.50% | $1,000 |
| 6 Months | 1.59% | 1.60% | $1,000 |
| 7 – 11 Months | 1.69% | 1.70% | $1,000 |
| 12 Months | 1.79% | 1.80% | $1,000 |
| 13 – 17 Months | 1.89% | 1.90% | $1,000 |
| 18 – 23 Months | 1.29% | 1.30% | $1,000 |
| 24 – 35 Months | 1.34% | 1.35% | $1,000 |
| 36 – 47 Months | 1.39% | 1.40% | $1,000 |
| 48 – 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months+ | 1.49% | 1.50% | $1,000 |
**Annual Percentage Yield (APY) effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
First Honor Checking Rates
| Product | Rate | APY* |
|---|---|---|
| First Honor Checking | 1.50% | 1.51% |
*Annual Percentage Yield (APY) for First Honor Checking is 1.51%. APY accurate and effective as of 10/15/26. Rates may change after account is opened. Fees may reduce earnings. Minimum balance to open account is $50.00. A $10 service fee applies if the account balance falls below the minimum balance requirement of $1,000.
Golden Advantage Certificate of Deposit & Specials Rates
| Term | Interest Rate | APY* | Min. Balance |
|---|---|---|---|
| 12 Months | 3.99% | 4.05% | $1,000 |
| 30 Months | 4.04% | 4.10% | $1,000 |
| 36 Months | 1.39% | 1.40% | $1,000 |
| 48 Months | 1.44% | 1.45% | $1,000 |
| 60 Months | 1.49% | 1.50% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. Golden Advantage members (age 55+) receive a rate bonus over standard CD specials. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Golden Advantage Money Market
| Balance | Rate | APY* |
|---|---|---|
| $2,500.00 and Greater | 2.83% | 2.88% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026 This rate is subject to change. Minimum balance to open is $2,500.00. Avoid the monthly service fee by maintaining a $2,500.00 minimum daily balance. Certain restrictions and conditions may apply. Fees may reduce earnings.
Golden Advantage Plus Checking Rates
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 – $2,499.99 | 0.03% | 0.03% |
| $2,500.00 – $24,999.99 | 0.05% | 0.05% |
| $25,000.00 – $49,999.99 | 0.05% | 0.05% |
| $50,000.00 and Greater | 0.08% | 0.08% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Health Savings Rates
| Product | Rate | APY‡ |
|---|---|---|
| Health Savings Account | 0.15% | 0.15% |
‡Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Kasasa Cash® Rates
| Balance | Min. Deposit to Open | Rate | APY* |
|---|---|---|---|
| $0.01 – $15,000.99 | $100 | 4.41% | 4.50% |
| $15,001.00 and Greater | n/a | 0.05% | 0.05% |
| All balances if qualifications not met | n/a | 0.01% | 0.01% |
*APY = Annual Percentage Yield. APYs accurate as of 10/15/2026. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: domestic ATM fees are reimbursed up to $20; balances up to $15,000.99 receive 4.50% APY; balances over $15,001.00 earn 0.05%. If qualifications are not met, all balances earn 0.01% APY. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle. Fees may reduce earnings.
Kasasa Saver® Rates
| Balance | Min. Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $0.01 – $100,000.99 | $100.00 | 2.96% | 3.00% |
| $100,001 and Greater | $100.00 | 0.05% | 0.05% |
| All balances if qualifications not met | $100.00 | 0.01% | 0.01% |
*APY = Annual Percentage Yield. APYs accurate as of 10/15/2026. Rates may change after account is opened. If Kasasa Cash qualifications are met each monthly cycle, Kasasa Saver balances up to $100,000.99 receive 3.00% APY; balances over $100,001 earn 0.05%. If qualifications are not met, all balances earn 0.01% APY. Fees may reduce earnings.
Money Market Tiered Rates
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 – $2,499.99 | 0.25% | 0.25% |
| $2,500 – $9,999.99 | 0.50% | 0.50% |
| $10,000 – $24,999.99 | 0.75% | 0.75% |
| $25,000.00 – $49,999.99 | 1.00% | 1.00% |
| $50,000.00 – $99,999.99 | 1.25% | 1.25% |
| $100,000.00 – $249,999.99 | 2.395% | 2.43% |
| $250,000.00 – $999,999.99 | 2.49% | 2.53% |
| $1,000,000 and Greater | 2.49% | 2.53% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Avoid the $11 monthly service fee by maintaining a $2,500.00 minimum daily balance. Certain restrictions and conditions may apply. Fees may reduce earnings.
Municipal Money Market
| Balance | Rate | APY** |
|---|---|---|
| $0 – $24,999.99 | 0.25% | 0.25% |
| $25,000 – $49,999.99 | 1.00% | 1.00% |
| $50,000 – $99,999.99 | 1.36% | 1.38% |
| $100,000.00 – $249,999.99 | 1.85% | 1.88% |
| $250,000.00 – $499,999.99 | 2.05% | 2.08% |
| $500,000.00 – $999,999.99 | 2.40% | 2.43% |
| $1,000,000.00 – $2,999,999.99 | 2.59% | 2.63% |
| $3,000,000.00 – $4,999,999.99 | 2.78% | 2.83% |
| $5,000,000.00 and Greater | 3.03% | 3.08% |
**Municipal Money Market: Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $1,000.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Personal Savings Rates
| Product | Rate | APY* |
|---|---|---|
| Personal Savings | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Youth Savings Rates
| Product | Rate | APY** |
|---|---|---|
| Youth Savings | 0.10% | 0.10% |
**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $10. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.