HomeMANTL Rates

Personal Checking & Savings Rates

Personal Checking Account Rates

Effective As of 04/22/2025

AccountMinimum Opening BalanceInterest RateAnnual Percentage Yield (APY)¹Minimum Daily Average Balance to Earn InterestCompounding & Crediting Frequency
Kasasa Cash Checking®2$100$0
$0 – $10,000.004.89%5.00%Monthly
$10,000.01 + 0.70%5.00% – 1.09%Monthly
If qualifications are not met0.05%0.05%Monthly
Kasasa Cash Back®$100N/AN/A$0N/A
Highland Checking$100N/AN/AN/AN/A
Interest Checking$1000.15%0.15%$1,000Monthly
Relationship Checking$1000.20%0.20%$500Monthly

1The interest rate and annual percentage yield (APY) may change weekly at Bank’s discretion. Interest will be compounded and paid monthly. We use the average daily balance method to calculate interest on your account. This method applies a daily periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Fees may reduce earnings.

2Qualifications for higher interest rate: Must have at least 12 debit card purchases posted and settled and must have at least one ACH transaction (debit or credit) per statement/qualifying cycle. APY on tiers may vary based on balances maintained. If qualifications are not met, interest rate/yield will revert to .01% on all balances. Enrolled in e-statements is a condition of the account. 

Personal Savings Account Rates

Effective As of 04/22/2025

AccountMinimum Opening BalanceInterest RateAnnual Percentage Yield (APY)¹Minimum Daily Available Balance to Earn InterestCompounding and Crediting of Interest

Premier Money Market Savings

$10,000$0
$0 – $9,999.990.90%0.90%Monthly
$10,000 – $24,999.991.10%1.11%Monthly
$25,000 – $49,999.991.15%1.16%Monthly
$50,000 – $99,999.991.25%1.26%Monthly
$100,000 – $249,999.991.50%1.51%Monthly
$250,000 – $999,999.991.65%1.66%Monthly
$1,000,000 – $2,499,999.991.75%1.76%Monthly
$2,500,000 – $4,999,999.991.80%1.81%Monthly
$5,000,000+1.85%1.87%Monthly

Money Market Savings

$1,000$0
Under $1,0000.70%0.70%Monthly
$1,000+0.95%0.95%Monthly

Statement Savings

$2000.20%0.20%$0Quarterly

Kasasa Saver²

$100$0
$0 – $100,00.002.96%3.00%Monthly
$100,000.01+0.50%3.00% – 1.75%Monthly
All balances if qualifications are not met0.05%0.05%Monthly

IRA Money Market Savings

$1000$1,000
under $1,000n/an/a
$1,000 – $9,999.990.15%0.15%Quarterly
$10,000 – $24,999.990.25%0.25%Quarterly
$25,000 – $49,999.990.50%0.50%Quarterly
$50,000 – $99,999.991.00%1.00%Quarterly
$100,000 – $249,999.991.25%1.26%Quarterly
$250,000+1.40%1.41%Quarterly

1The interest rate and annual percentage yield (APY) may change weekly at Bank’s discretion. Interest will be compounded and paid monthly. We use the average daily balance method to calculate interest on your account. This method applies a daily periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Fees may reduce earnings.

2Must be opened in conjunction with a Kasasa Cash or Kasasa Cash Back checking account. Qualifications for checking account must be met to receive higher interest rate. APY on tiers may vary based on balances maintained. If qualifications are not met, interest rate/yield will revert to .01% on all balances.