The simplest — and most rewarding — way to save.
Put your savings on autopilot with high interest and 1873 Checking Rewards transfers each month.
Benefits You'll Love
- 0.75% APY‡ on balances up to $50,000
- Free account with no minimum balance requirements
- Links to free 1873 checking accounts
- Free account that builds your savings effortlessly
- Links to free 1873 High Interest Checking or 1873 Cash Back Checking checking
- Automatic transfers of 1873 High Interest Checking or 1873 Cash Back Checking earnings
- 0.75% APY‡ on balances up to $50,000
- 0.75% to 0.42% APY on balances over $50,000 depending on balance in account‡
- 0.02% APY‡ if qualifications are not met in 1873 High Interest Checking or 1873 Cash Back Checking
- No monthly service fee
- No minimum balance to earn rewards
- Free digital banking services, including:
- Free online banking & bill pay
- Free mobile banking with mobile deposit
- Free e-statements
- Free Mastercard® debit card
- $100 minimum deposit to open
It’s Easy to Get Paid for Banking Local
It's so simple to qualify, you're probably already doing it. Qualifying for your 1873 High Interest Checking or 1873 Cash Back Checking rewards automatically qualifies you for the highest 1873 Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your 1873 High Interest Checking or 1873 Cash Back Checking account during each Monthly Qualification Cycle:
- At least one direct deposit, ACH credit, or ACH payment transaction
- At least 12 debit card purchases post and settle
And if you don't meet these qualifications, your account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
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*Annual Percentage Yield (APY) assumes interest will remain on deposit for one year.
Interest rates are subject to change. Fees may reduce earnings.
‡Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.
Reward Information:
When your linked 1873 High Interest account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $50,000.00 in your 1873 Saver account earn an APY of .75% and average daily balances over $50,000.00 earn an interest rate of .25% on the portion of the average daily balance over $50,000.00, resulting in a range from .75% to .42% APY depending on the account's average daily balance. When your linked 1873 High Interest account qualifications are not met, the entire average daily balance in the 1873 Saver account earns an interest rate of .02% resulting in an annual percentage yield of .02% APY. Interest will be credited to your 1873 Saver account on the last day of the current statement cycle.
*APY = Annual Percentage Yield. APY is accurate as of today's date.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100.00 minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open this account. An 1873 High Interest account is required to have a 1873 Saver account. A linked 1873 Saver account is required for automatic savings. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Member FDIC
Use this calculator to determine your projected earnings from our 1873 High Interest 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
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%
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
1873 High Interest Checking *
| Balance | Minimum Opening Deposit | Rate | APY* |
|---|---|---|---|
| 0 - $10,000 | $100 | 1.982% | 2.00% |
| $10,000+ | $100 | 0.25% | 0.41 to 2.00% |
| All balances if qualifications not met | $100 | 0.02% | 0.02% |
Qualifications*
Enrollments must be in place and all of the following transactions and activities must post and settle to your 1873 High Interest checking account during each Monthly Qualification Cycle:
- At least one direct deposit, ACH credit, or ACH payment transaction
- At least 12 debit card purchases post and settle
And if you don't meet your qualifications during the cycle, your account is still free. Then you can get right back to earning your full rewards the very next month.
1873 Saver‡
| Balance | Minimum Opening Deposit | Rate | APY* |
|---|---|---|---|
| 0 - $50,000 | $100 | 0.74% | 0.75% |
| $50,000+ | $100 | 0.25% | 0.42 to 0.75% |
| All balances if qualifications not met | $100 | 0.02% | 0.02% |
Qualifications
Qualifying for your 1873 High Interest Checking or 1873 Cash Back Checking rewards automatically qualifies you for the highest 1873 Saver rate. Enrollments must be in place and all of the following transactions and activities must post and settle to your 1873 High Interest Checking or 1873 Cash Back Checking account during each Monthly Qualification Cycle:
- At least one direct deposit, ACH credit, or ACH payment transaction
- At least 12 debit card purchases post and settle
And if you don't meet these qualifications, your account is still free. Then you can get right back to earning your full rewards the very next cycle that you qualify.
Certificate of Deposit and IRAs
| Account Type | Balance To Open | Minimum Balance to Earn APY | Interest Rate | Daily Compounded APY* |
|---|---|---|---|---|
| 91 Day Certificate | $1,000.00 | $0.00 | 3.15% | 3.25% |
| 6 Month Certificate | $1,000.00 | $0.00 | 3.87% | 4.00% |
| 12 Month Certificate | $1,000.00 | $0.00 | 3.68% | 3.80% |
| 18 Month Certificate | $1,000.00 | $0.00 | 3.15% | 3.25% |
| 24 Month Certificate | $1,000.00 | $0.00 | 3.15% | 3.25% |
| 36 Month Certificate | $1,000.00 | $0.00 | 2.92% | 3.00% |
| 48 Month Certificate | $1,000.00 | $0.00 | 3.15% | 3.25% |
| 60 Month Certificate | $1,000.00 | $0.00 | 2.92% | 3.00% |
Checking Rates - Business
| Account Type | Balance to open | Minimum balance to earn APY | Interest Rate | Daily Compounded APY* |
|---|---|---|---|---|
| Business Checking with Interest | $1,000.00 | $1000.00 | 0.025% | 0.025% |
| Non-Profit Checking | $250.00 | $250.00 | 0.025% | 0.025% |
Checking Rates - Personal
| Account Type | Balance to open | Minimum balance to earn APY | Interest Rate | Daily Compounded APY* |
|---|---|---|---|---|
| N.O.W. Account | $250.00 | $250.00 | 0.025% | 0.025% |
| Senior Checking | $ 50.00 | $250.00 | 0.025% | 0.025% |
Money Market Accounts - Business
| Account Type | Balance to open | Minimum balance to earn APY | Interest Rate | Daily Compounded APY* |
|---|---|---|---|---|
| Business Money Market | $1,000.00 | $1,000.00 | 0.025% | 0.025% |
| Business Premiere Money Market | $10,000.00 | $10,000- $24,999.99 | 0.48% | 0.50% |
| $25,000-$49,999.99 | 0.98% | 1.00% | ||
| $50,000.00 and over | 1.95% | 2.00% | ||
| $100,000 and above | 3.15% | 3.25% | ||
| Optimum Money Market Account | $5,000.00 | $.01-$4,999.99 | 0.025% | 0.025% |
| $5,000 to $9,999.99 | 0.10% | 0.10% | ||
| $10,000 to $24,999.99 | 0.15% | 0.15% | ||
| $25,000 to $49,999.99 | 0.20% | 0.20% | ||
| $50,000 to $99,999.99 | 0.25% | 0.25% | ||
| $100,000.00 and over | 0.30% | 0.30% |
Money Market Accounts - Personal
| Account Type | Balance to open | Minimum balance to earn APY | Interest Rate | Daily Compounded APY* |
|---|---|---|---|---|
| Money Market Checking | $1,000.00 | $1,000.00 | 0.025% | 0.025% |
| Money Market Savings | $1,000.00 | $1,000.00 | 0.025% | 0.025% |
| Money Market IRA | $100.00 | $100.00 | 0.025% | 0.025% |
| Premiere Money Market | $10,000.00 | $10,000.00- $24,999.99 | 0.05% | 0.05% |
| $25,000.00-$49,999.99 | 0.10% | 0.10% | ||
| $50,000.00 and over | 0.15% | 0.15% | ||
| Borrower's Select Money Market** | $100.00 |
$0-$250,000.00 |
3.38% |
3.50%** |
| $250,000.01-$300,000.00 | 2.92% | 3.00%** | ||
| $300,000.01 and above | 2.68% | 2.75%** | ||
| Personal Gold Money Market | $25,000.00 | $25,000.00 - $49,999.99 | 0.10% | 0.10% |
| $50,000.00 - $99,999.99 | 0.15% | 0.15% | ||
| $100,000 and over | 0.25% | 0.25% | ||
| Optimum Money Market | $5,000.00 | $.00-$4,999.99 | 0.025% | 0.025% |
| $5,000.00 to $9,999.99 | 0.10% | 0.10% | ||
| $10,000.00 to $24,999.99 | 0.15% | 0.15% | ||
| $25,000.00 to $49,999.99 | 0.20% | 0.20% | ||
| $50,000.00 to $99,999.99 | 0.25% | 0.25% | ||
| $100,000.00 and over | 0.30% |
0.30% |
**APY calculations are based on an assumed balance of $250,000.00 and $400,000.00 in your account. This will result in a range from 3.50% to 3.19% APY depending on the account's daily balance.
Savings Rates - Business
| Account Type | Balance to open | Minimum balance to earn APY | Interest Rate | Daily Compounded APY* |
|---|---|---|---|---|
| Business Passbook Savings | $50.00 | $50.00 | 0.025% | 0.025% |
Savings Rates - Personal
| Account Type | Balance to open | Minimum balance to earn APY | Interest Rate | Daily Compounded APY* |
|---|---|---|---|---|
| Regular Passbook Savings | $50.00 | $50.00 | 0.025% | 0.025% |
| Junior Passbook** | $0.00 | $0.00 | 0.025% | 0.025% |
| Statement Savings | $100.00 | $100.00 | 0.025% | 0.025% |
| Christmas Club | $0.00 | $50.00 | 1.950% | 2.000% |
| Vacation Club | $0.00 | $50.00 | 0.025% | 0.025% |
