Checking and Savings Account Ratescompetitive rates, great options

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Savings and Checking Account Options

We offer competitive rates on a range of checking and savings accounts to meet your needs no matter what life stage you are in. As your money grows, so does the interest that you can earn! Check out your options below and start earning more today with a Prospera Savings or Checking Account.

To view important account agreements and disclosures associated with all of these accounts, please visit our terms and disclosures page.

Dividend Checking Account

Minimum Dividend APY1
Minimum: $1,500+Dividend: 0.04%APY1: 0.04%
Minimum: $5,000+Dividend: 0.05%APY1: 0.05%

1APY = Annual Percentage Yield
For individual accounts only. Interest is compounded monthly. Fees may reduce earnings.

Rates as of 03/01/2024 at 6:57 AM. Subject to change without notice.

Share Savings Account Rates

Minimum Dividend APY1
Minimum: $5Dividend: 0.10%APY1: 0.10%

1APY = Annual Percentage Yield
For individual accounts only. Interest is compounded monthly. Fees may reduce earnings.

Rates as of 03/01/2024 at 6:57 AM. Subject to change without notice.

Sub Savings Account

Minimum Dividend APY1
Minimum: $5Dividend: 0.10%APY1: 0.10%

1APY = Annual Percentage Yield
For individual accounts only. Interest is compounded monthly. Fees may reduce earnings.

Rates as of 03/01/2024 at 6:57 AM. Subject to change without notice.

Club Savings Account

Minimum* Dividend APY1
Minimum*: $1Dividend: 0.30%APY1: 0.30%

* Holiday Savings Accounts are set to pay dividends (APY) on any balance of $1 or more.
1 APY = Annual Percentage Yield
For individual accounts only. Interest is compounded monthly. Fees may reduce earnings.

Rates as of 03/01/2024 at 6:57 AM. Subject to change without notice.

Individual Retirement Account (IRA) Savings

Minimum Dividend APY1
Minimum: $5Dividend: 0.25%APY1: 0.25%

1 APY = Annual Percentage Yield
For individual accounts only. Interest is compounded monthly. Fees may reduce earnings.

Rates as of 03/01/2024 at 6:57 AM. Subject to change without notice.

Prosper Money Market

Minimum Dividend APY1
Minimum: $100Dividend: 0.10%APY1: 0.10%
Minimum: $10,0002Dividend: 0.10%APY1: 0.10%
Minimum: $25,000Dividend: 0.15%APY1: 0.15%
Minimum: $50,000Dividend: 0.20%APY1: 0.20%
Minimum: $100,000Dividend: 0.25%APY1: 0.25%
Minimum: $250,000Dividend: 0.35%APY1: 0.35%

1APY = Annual Percentage Yield
For individual accounts only. Interest is compounded monthly. Fees may reduce earnings.
2Minimum balance to avoid monthly fee.

Rates as of 03/01/2024 at 6:57 AM. Subject to change without notice.

Investor's Money Market

Minimum Dividend APY1
Minimum: $100Dividend: 0.10%APY1: 0.10%
Minimum: $2,5002Dividend: 0.10%APY1: 0.10%
Minimum: $10,000Dividend: 0.10%APY1: 0.10%

1APY = Annual Percentage Yield
For individual accounts only. Interest is compounded monthly. Fees may reduce earnings.

2Minimum balance to avoid monthly fee.

Rates as of 03/01/2024 at 6:57 AM. Subject to change without notice.

Thrive Money Market

MINIMUM DIVIDEND APY1
MINIMUM: $250,000.00DIVIDEND: 3.64%APY1: 3.70%
MINIMUM: $100,000.00DIVIDEND: 2.96%APY1: 3.00%
MINIMUM: $40,000.00DIVIDEND: 2.37%APY1: 2.40%

Rates as of 03/01/2024 at 6:57 AM. Subject to change without notice.

HSA Checking (Health Savings Account)

Minimum Dividend APY1
Minimum: $5Dividend: 0.60%APY1: 0.60%

1APY = Annual Percentage Yield
For individual accounts only. Interest is compounded monthly. Fees may reduce earnings.

Rates as of 03/01/2024 at 6:57 AM. Subject to change without notice.

Share Certificates & IRA Share Certificates*

Term1 Minimum Checking Account Required Dividend APY2
Term1: 6 monthMinimum: $500Checking Account Required: ✔Dividend: 2.570%APY2: 2.60%
Term1: 1 year3Minimum: $500Checking Account Required: ✔Dividend: 3.200%APY2: 3.25%
Term1: 18 monthMinimum: $500Checking Account Required: ✔Dividend: 3.250%APY2: 3.30%
Term1: 2 yearMinimum: $500Checking Account Required: ✔Dividend: 3.350%APY2: 3.40%
Term1: 3 yearMinimum: $500Checking Account Required: ✔Dividend: 3.440%APY2: 3.50%
Term1: 4 yearMinimum: $500Checking Account Required: ✔Dividend: 3.540%APY2: 3.60%
Term1: 5 yearMinimum: $500Checking Account Required: ✔Dividend: 3.640%APY2: 3.70%

1A penalty may be imposed for early withdrawal.

2APY = Annual Percentage Yield

*Traditional IRAs for all CD types; Roth IRAs on 1 year only

For individual accounts only. Interest is compounded monthly. Fees may reduce earnings.

Rates as of 03/01/2024 at 6:57 AM. Subject to change without notice.

Share Certificates & IRA Share Certificates Specials

Term1 Minimum Checking Account Required Dividend APY2
Term1: 5 monthMinimum: $5,000Checking Account Required: Dividend: 5.180%APY2: 5.30%
Term1: 11 monthMinimum: $5,000Checking Account Required: Dividend: 5.080%APY2: 5.20%
Term1: 14 monthMinimum: $5,000Checking Account Required: Dividend: 4.650%APY2: 4.75%
Term1: 20 monthMinimum: $5,000Checking Account Required: 🟡Dividend: 4.410%APY2: 4.50%

1A penalty may be imposed for early withdrawal.
2APY = Annual Percentage Yield
For individual accounts only. Interest is compounded monthly. Fees may reduce earnings.

Rates as of 03/01/2024 at 6:57 AM. Subject to change without notice.

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