Enjoying Capital Lake Park, downtown Olympia.

 

Consumer Rates

Consumer Money Market Account*

 

Minimum To Open
& Earn APY

Annual Percentage Yield (APY)

Compounding Method 

Interest Rate

Tier 1: Min. balance to earn APY:
$50 - $2,499.99

$2,500

0.20

Daily

0.20

Tier 2: Min. balance to earn APY: 
$2,500 - $9,999.99

$2,500

0.25

Daily

0.25

Tier 3: Min. balance to earn APY: 
$10,000 - $49,999.99

$2,500

0.30

Daily

0.30

Tier 4: Min. balance to earn APY: 
$50,000 - $99,999.99

$2,500

0.51

Daily

0.50

Tier 5: Min. balance to earn APY: 
$100,000 +

$2,500

0.66

Daily

0.65

Consumer Account Type

 

Minimum To Open
& Earn APY

Annual Percentage Yield (APY)

Compounding Method  

Interest Rate 

Statement Savings**

Min. balance to earn APY: $50

$100

0.15

Daily

0.15

Passbook Savings**
Min. balance to earn APY: $50

$100

0.15

Daily

0.15

Super Savings Passbook†
(under age 18) 

Min. balance to earn APY: $50

$1

0.25

Daily

0.25

Jump Start Checking†

(high school to 19)

No minimum balance to earn APY

$50

0.25

Daily

0.25

Choice Checking†

Min. balance to earn APY: $100

$100

0.10

Daily

0.10

Health Savings Account (HSA)***

No minimum balance to earn APY

$1

0.10

Daily

0.10

NEW CHECKING PRODUCT

 

Minimum To Open
& Earn APY

Annual Percentage Yield (APY)

Compounding Method 

Interest Rate

Journey Checking*†

$100

3.00*†

Daily

2.92*†

*† Variable interest rate account. Rates accurate as of 11/05/18 and subject to change anytime and without notice. Requires the following to obtain Premium Rate: Direct deposit of $500 or more per monthly statement cycle, debit card activation and at least 10 debit transactions posted per statement cycle, must sign up to receive eStatements, must be enrolled in Retail Online Banking, must maintain active online banking access as outlined in the Online Banking Terms & Conditions Agreement, and one account per Social Security Number.
Premium Rate - When the Premium Rate qualifications are met, if your daily balance is $10,000.00 or less, the interest rate paid on the entire balance will be 2.92% with an annual percentage yield of 3.00%.
Above Cap Rate - When the Premium Rate qualifications are met, an interest rate of 0.10% will be paid only for that portion of your daily balance that is greater than $10,000.00. The annual percentage yield for this tier will range from 0.10% to 0.10% depending on the balance in the account.
Base Rate - When the Premium Rate qualifications are not met, the interest rate paid on the entire balance in your account will be 0.10% with an annual percentage yield of 0.10%.
Fees may reduce earnings and rate may change after account opening.
Terms & Conditions apply. See Truth in Savings disclosure for details.
Business Rates

Business
Money Market Account*

 

Minimum To Open
& Earn APY

Annual Percentage Yield (APY)

Compounding Method 

Interest Rate

Tier 1: Min. balance to earn APY:
$50 - $2,499.99

$2,500

0.20

Daily

0.20

Tier 2: Min. balance to earn APY: 
$2,500 - $9,999.99

$2,500

0.25

Daily

0.25

Tier 3: Min. balance to earn APY: 
$10,000 - $49,999.99

$2,500

0.30

Daily

0.30

Tier 4: Min. balance to earn APY: 
$50,000 - $99,999.99

$2,500

0.51

Daily

0.50

Tier 5: Min. balance to earn APY: 
$100,000 +

$2,500

0.66

Daily

0.65

Premium Business
Money Market Account*

 

Minimum To Open
& Earn APY

Annual Percentage Yield (APY)

Compounding Method 

Interest Rate

Tier 1: Min. balance to earn APY:
$50 - $9,999.99

$50,000

0.10

Daily

0.10

Tier 2: Min. balance to earn APY: 
$10,000 - $49,999.99

$50,000

0.15

Daily

0.15

Tier 3: Min. balance to earn APY: 
$50,000 - $99,999.99

$50,000

0.75

Daily

0.75

Tier 4: Min. balance to earn APY: 
$100,000 - $299,999.99

$50,000

0.90

Daily

0.90

Tier 5: Min. balance to earn APY: 
$300,000 +

$50,000

1.10

Daily

1.10

Business Account Type

 

Minimum To Open
& Earn APY

Annual Percentage Yield (APY)

Compounding Method  

Interest Rate 

Business Statement Savings**

Min. balance to earn APY: $50

$100

0.15

Daily

0.15

Outreach Business Checking†

(community organizations & nonprofits)

Min. balance to earn APY: $100

$100

0.10

Daily

0.10

Beyond Business Checking‡

Min. balance to earn APY: 
$0 - $2,499.99

$1,000

0.00

Daily

0.00

Min. balance to earn APY: 
$2,500 - $24,999.99

$1,000

0.10

Daily

0.10

Min. balance to earn APY: 
$25,000 - $74,999.99

$1,000

0.15

Daily

0.15

Min. balance to earn APY: 
$75,000 - $149,999.99

$1,000

0.17

Daily

0.17

Min. balance to earn APY: 
$150,000 +

$1,000

0.20

Daily

0.20

* Rates may change after the account is opened. The APY is accurate as of the date above and is subject to change. Fees may reduce earnings. Transfers from a money market account to another account or third parties by preauthorized automatic, telephone, or computer transfer or by check, debit card or similar order to third parties are limited to six per statement cycle.
** $3 quarterly service charge will be imposed if average daily balance falls below $100. Transaction limitations: Transfers from this account to another account or third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, draft, debit card or similar order to third parties.
*** Rates may change after the account is opened. The APY is accurate as of the date above and is subject to change. Fees may reduce earnings.
† Fees may reduce earnings. Rates may change after the account is opened. The APY is accurate as of the date above and is subject to change.
‡ All tiers are subject to change weekly without notice. Rates may change after the account is opened. The APY is accurate as of the date above and is subject to change. Fees may reduce earnings.
Terms & Conditions apply. See Truth in Savings disclosure for details.