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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% |
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1APY = Annual Percentage Yield Rates as of 12/01/2023 at 8:10 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 12/01/2023 at 8:07 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 12/01/2023 at 8:11 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 12/01/2023 at 8:11 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 12/01/2023 at 8:07 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 12/01/2023 at 8:10 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 12/01/2023 at 8:10 AM. Subject to change without notice. |
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Thrive Money Market
| MINIMUM | DIVIDEND | APY1 |
|---|---|---|
| MINIMUM: $250,000.00 | DIVIDEND: 3.49% | APY1: 3.55% |
| MINIMUM: $100,000.00 | DIVIDEND: 2.57% | APY1: 2.60% |
| MINIMUM: $40,000.00 | DIVIDEND: 1.98% | APY1: 2.00% |
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Rates as of 12/01/2023 at 8:13 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 12/01/2023 at 8:10 AM. Subject to change without notice. |
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Share Certificates & IRA Share Certificates*
| Term1 | Minimum | Checking Account Required | Dividend | APY2 |
|---|---|---|---|---|
| Term1: 6 month | Minimum: $500 | Checking Account Required:  | Dividend: 2.570% | APY2: 2.60% |
| Term1: 1 year3 | Minimum: $500 | Checking Account Required: | Dividend: 3.200% | APY2: 3.25% |
| Term1: 18 month | Minimum: $500 | Checking Account Required: | Dividend: 3.250% | APY2: 3.30% |
| Term1: 2 year | Minimum: $500 | Checking Account Required: | Dividend: 3.350% | APY2: 3.40% |
| Term1: 3 year | Minimum: $500 | Checking Account Required: | Dividend: 3.440% | APY2: 3.50% |
| Term1: 4 year | Minimum: $500 | Checking Account Required: | Dividend: 3.540% | APY2: 3.60% |
| Term1: 5 year | Minimum: $500 | Checking Account Required: | Dividend: 3.640% | APY2: 3.70% |
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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 12/01/2023 at 8:05 AM. Subject to change without notice. |
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Share Certificates & IRA Share Certificates Specials
| Term1 | Minimum | Checking Account Required | Dividend | APY2 |
|---|---|---|---|---|
| Term1: 5 month | Minimum: $5,000 | Checking Account Required:  | Dividend: 4.890% | APY2: 5.00% |
| Term1: 14 month | Minimum: $5,000 | Checking Account Required: | Dividend: 5.120% | APY2: 5.24% |
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1A penalty may be imposed for early withdrawal. Rates as of 12/01/2023 at 8:06 AM. Subject to change without notice. |
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