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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.
Connect Plus Checking Account
| Balance Tier | Dividend | APY1 |
|---|---|---|
| Balance Tier: $0.01-$5,000 | Dividend: 4.89% | APY1 : 5.00% † |
| Balance Tier: $5,000.01+ | Dividend: 0.10% | APY1 : 0.10% † |
| Balance Tier: Not Qualified | Dividend: 0.00% | APY1 : 0.00% ‡ |
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† Monthly Qualifications: you must a) receive eStatements; b) conduct 15 debit card transactions that post and settle to your account; c) receive one direct deposit/ACH credit. ‡ If you do not meet all of the monthly qualification requirements this rate will apply to the entire account balance. 1APY = Annual Percentage Yield Rates as of 05/01/2025 at 11:18 AM. Subject to change without notice. |
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Dividend Checking Account
| Minimum | Dividend | APY1 |
|---|---|---|
| Minimum: $1,500+ | Dividend: 0.04% | APY1: 0.04% |
| Minimum: $5,000+ | Dividend: 0.05% | APY1: 0.05% |
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1APY = Annual Percentage Yield Rates as of 05/01/2025 at 11:18 AM. Subject to change without notice. |
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Share Savings Account Rates
| Minimum | Dividend | APY1 |
|---|---|---|
| Minimum: $5 | Dividend: 0.10% | APY1: 0.10% |
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1APY = Annual Percentage Yield Rates as of 05/01/2025 at 8:17 AM. Subject to change without notice. |
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Sub Savings Account
| Minimum | Dividend | APY1 |
|---|---|---|
| Minimum: $5 | Dividend: 0.10% | APY1: 0.10% |
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1APY = Annual Percentage Yield Rates as of 05/01/2025 at 11:19 AM. Subject to change without notice. |
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Club Savings Account
| Minimum* | Dividend | APY1 |
|---|---|---|
| Minimum*: $1 | Dividend: 0.30% | APY1: 0.30% |
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* Holiday Savings Accounts are set to pay dividends (APY) on any balance of $1 or more. Rates as of 05/01/2025 at 11:19 AM. Subject to change without notice. |
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Individual Retirement Account (IRA) Savings
| Minimum | Dividend | APY1 |
|---|---|---|
| Minimum: $5 | Dividend: 0.25% | APY1: 0.25% |
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1 APY = Annual Percentage Yield Rates as of 05/01/2025 at 11:19 AM. Subject to change without notice. |
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Prosper Money Market
| Minimum | Dividend | APY1 |
|---|---|---|
| Minimum: $100 | Dividend: 0.10% | APY1: 0.10% |
| Minimum: $10,0002 | Dividend: 0.10% | APY1: 0.10% |
| Minimum: $25,000 | Dividend: 0.15% | APY1: 0.15% |
| Minimum: $50,000 | Dividend: 0.20% | APY1: 0.20% |
| Minimum: $100,000 | Dividend: 0.25% | APY1: 0.25% |
| Minimum: $250,000 | Dividend: 0.35% | APY1: 0.35% |
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1APY = Annual Percentage Yield Rates as of 05/01/2025 at 11:20 AM. Subject to change without notice. |
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Investor's Money Market
| Minimum | Dividend | APY1 |
|---|---|---|
| Minimum: $100 | Dividend: 0.10% | APY1: 0.10% |
| Minimum: $2,5002 | Dividend: 0.10% | APY1: 0.10% |
| Minimum: $10,000 | Dividend: 0.10% | APY1: 0.10% |
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1APY = Annual Percentage Yield 2Minimum balance to avoid monthly fee. Rates as of 05/01/2025 at 11:20 AM. Subject to change without notice. |
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Thrive Money Market
| MINIMUM | DIVIDEND | APY1 |
|---|---|---|
| MINIMUM: $250,000.00 | DIVIDEND: 3.15% | APY1: 3.20% |
| MINIMUM: $100,000.00 | DIVIDEND: 2.37% | APY1: 2.40% |
| MINIMUM: $40,000.00 | DIVIDEND: 1.98% | APY1: 2.00% |
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1APY = Annual Percentage Yield Rates as of 05/01/2025 at 11:21 AM. Subject to change without notice. |
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HSA Checking (Health Savings Account)
| Minimum | Dividend | APY1 |
|---|---|---|
| Minimum: $5 | Dividend: 0.60% | APY1: 0.60% |
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1APY = Annual Percentage Yield Rates as of 05/01/2025 at 11:25 AM. Subject to change without notice. |
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