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Personal Checking Rates

American e-CheckingAnnual Percentage Yields (APY) current as of April 19, 2024
Tiers Interest Rate APY
$0.00 - $999.99 1.00% 1.01% - 1.01%
$1,000.00 - $9,999.99 1.00% 1.01% - 1.01%
$10,000.00 - $24,999.99 1.00% 1.01% - 1.01%
$25,000.00 - $49,999.99 1.00% 1.01% - 1.01%
$50,000.00 - $99,999.99 1.00% 1.01% - 1.01%
$100,000.00 and above 1.00% 1.01% - 1.01%
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  • $1.00 minimum balance required to open 
  • No minimum balance required to earn the stated interest
  • No monthly maintenance service charge
  • Interest is compounded daily & earned on the daily balance based on a tiered-rate structure
  • This is a tiered-rate account. The interest rate and APY may change after account opening
  • Fees may reduce the earnings on the account
  • Rates are subject to change at any time without notice 
Forever Free Checking
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  • $1.00 minimum balance required to open
  • No monthly maintenance service charge, FOREVER1
  • No minimum balance required, FOREVER1

1 As long as the account remains open 

American Gold CheckingAnnual Percentage Yields (APY) current as of April 19, 2024
Tiers Interest Rate APY
$0.00 - $999.99 1.00% 1.01%
$1,000.00 - $9,999.99 1.24% 1.25%
$10,000.00 - $24,999.99 1.24% 1.25%
$25,000.00 - $49,999.99 1.24% 1.25%
$50,000.00 - $99,999.99 1.49% 1.50%
$100,000.00 and above 1.98% 2.00%
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  • Individuals must be at least age 50
  • $1.00 minimum balance required to open
  • No minimum balance required to earn the stated interest
  • No monthly maintenance service charge
  • Interest is compounded daily & earned on the daily balance based on a tiered-rate structure
  • This is a tiered-rate account. The interest rate and APY may change after account opening
  • Fees may reduce the earnings on the account
  • Rates are subject to change at any time without notice 
Health Savings AccountAnnual Percentage Yields (APY) current as of April 19, 2024
TIers Interest Rate APY
$0.00 - $999.99 0.10% 0.10%
$1,000.00 - $4,999.99 0.10% 0.10%
$5,000.00 - $9,999.99 0.10% 0.10%
$10,000.00 - $14,999.99 0.10% 0.10%
$15,000.00 and above 0.10% 0.10%
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  • $1.00 minimum balance required to open 
  • No monthly maintenance service charge
  • No minimum balance required to earn the stated interest
  • Withdrawals can be made at any time
  • Funds withdrawn or transferred from this account are considered distributions from the plan
  • This is a tiered-rate account. The interest rate and APY may change after account opening
  • Interest is compounded daily & earned on the daily balance based on a tiered-rate structure
  • Fees may reduce the earnings on the account
  • Rates are subject to change at any time without notice