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Personal Account Rates

Effective 04/08/25
Personal Accounts
Interest Rate2
APY2
OSB Interest Checking
$2,500.00-$9,999.990.01%0.01%
$10,000.00-$24,999.990.02%0.02%
$25,000.00+0.05%0.05%
OSB Statement Savings
$0-$999.990.01%0.01%
$1,000.00-$9,999.990.02%0.02%
$10,000.00-$24,999.990.05%0.05%
$25,000.00+0.05%0.05%
OSB Money Market Savings
$2,500.00-$9,999.990.01%0.01%
$10,000.00-$24,999.990.02%0.02%
$25,000.00-$99,999.990.05%0.05%
$100,000.00-$499,999.990.40%0.40%
$500,000.00-$999,999.991.00%1.00%
$1,000,000.00+1.49%1.50%
Certificates of Deposit1
Interest Rate
APY
6-month4.17%4.25%
12-month4.41%4.50%
24-month1.49%1.50%
36-month1.74%1.75%
48-month1.83%1.85%
60-month1.98%2.00%

1 A penalty may be imposed for early withdrawal. Fees could reduce earnings on accounts. All certificates are available as IRAs.

2 The interest rate and annual percentage yield may change without notice after account opening. Interest Rates and Annual Percentage Yields are current as of 04/08/2025.