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MSB Online MSB eCorp

Rates

Current Account Rate Offerings

Effective:

  • Opening Deposit = Deposit required to open account.
  • Balance Required = Deposit balance required to earn rate.
  • APY = Annual Percentage Yield.
  • FDIC Insures each depositor up to $250,000.
  • Checking account fees may apply and reduce earnings on the account.
  • Certificate of Deposit early withdrawal penalties may apply and reduce earnings on the account.
  • Interest rates are subject to change at the bank's discretion without notice to customer.

Savings Rates

Type Opening
Deposit
Balance Required Interest
Rate
APY**
Ultimate Savings Apply Now  $25,000.00   $0.01 - $24,999.99   0.25%  0.25% 
     $25,000.00 & over   0.99% 1.00%
Personal & Business Statement Savings Apply Now  $1.00   $0.01-24,999.99   0.25%  0.25% 
  $25,000.00 & over   0.50%  0.50% 
Kid's Club Statement Savings  $1.00   $0.01 & over   0.45%  0.45% 
Your Choice Savings* Apply Now  $1.00   N/A   0.75%  0.75% 

*Funds credited to savings or checking annually in October.
**The Annual Percentage Yield on all savings accounts is calculated using a 365 day calendar year.

CD Rates

Type * Opening
Deposit
Interest
Rate
APY***
91 Day Apply Now  $1,000.00   0.35%  0.35% 
5 Month Special Apply Now  $1,000.00   0.75%  0.76% 
6 Month Apply Now  $1,000.00  0.50%  0.50% 
12 Month Apply Now  $1,000.00   0.75%  0.75% 
13 Month Special Apply Now  $1,000.00 1.09% 1.10%
18 Month Apply Now  $1,000.00   0.99%  1.00% 
24 Month Apply Now  $1,000.00   1.49% 1.50%
30 Month Apply Now  $1,000.00   1.74% 1.76%
36 Month Apply Now  $1,000.00   2.13% 2.15%
42 Month Special Apply Now  $1,000.00   2.47% 2.50%
48 Month Apply Now  $1,000.00   2.71% 2.75%
60 Month Apply Now  $1,000.00   2.96% 3.00%
Ultimate CD $5,000.00 2.13% 2.15%
Starter CD Apply Now  $250.00   0.75% 0.75%

*Deposit required to open account & keep account open.
***The Annual Percentage Yield on all certificate of deposit accounts is calculated using a 365 day calendar year. 

IRA Rates

Type Opening
Deposit
Interest
Rate
APY*
Regular IRA Statement Savings  $10.00   0.74%  0.75% 
12 Month IRA  $250.00   0.98%  1.00% 
30 Month IRA  $250.00   1.71%  1.75% 
60 Month IRA  $250.00 2.92%  3.00%
Health Savings Account (HSA)  $1,000.00   0.75%  0.75% 

*The Annual Percentage Yield on the 12, 30 and 60 month IRA's is calculated using a 360 day calendar year. The Annual Percentage Yield on the Regular IRA Statement Savings and the Health Savings Account is calculated using a 365 day calendar year.

Checking/Money Fund Rates

Type Opening
Deposit
Balance Required
Interest
Rate
APY**
Money Fund Apply Now  $2,500.00   $0.01-2,499.99   0.10% 0.10% 
     $2,500.00-24,999.99   0.30% 0.30%
     $25,000.00-99,999.99   0.50% 0.50%
     $100,000.00 & over   0.75% 0.75%
Business Free $100.00   N/A   0.00%  0.00% 
Business $100.00   $0.01-4,999.99   0.10%  0.10% 
     $5,000.00 & over   0.25%  0.25% 
Business Analysis $100.00   N/A   0.00%  0.00% 
Community Checking $100.00   $0.01-24,999.99  0.25%  0.25% 
$25,000.00-249,999.99 0.50% 0.50%
$250,000.00-749,999.99 0.75% 0.75%
$750,000.00 & over 1.00% 1.00%
Ultimate Green Checking ***Apply Now $100.00 $0.01-$10,000.00 (rewards criteria are met) 1.49% 1.50%
$0.01-$10,000.00 (rewards criteria not met) 0.15% 0.15%
$10,000.01 & over 0.15% 0.15%
Ultimate Apply Now  $100.00   $0.01-2,499.99   0.10%  0.10% 
     $2,500.00 & over   0.20%  0.20% 
Ultimate Ten * Apply Now  $10,000.00   $0.01-9,999.99   0.20%  0.20% 
     $10,000-24,999.99   0.25%  0.25% 
     $25,000.00 & over   0.30%  0.30% 
 Health Savings Account (HSA) $25.00   N/A 0.75%  0.75% 

*Combined deposit of $10,000.00 in eligible accounts.
**The Annual Percentage Yield on all checking and money fund accounts is calculated using a 365 day calendar year.
***The interest rate is variable and may change after the account is open. Minimum deposit to open is $100. 1.50% APY paid on daily balances up to $10,000, and 0.15% APY paid on daily balances above $10,000 each qualifying cycle (month) that all reward requirements are met. Account daily balances will earn 0.15% APY when reward requirements are not met per cycle. Offer good on personal accounts only.

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