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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 06/01/2026 at 9:02 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 06/01/2026 at 9:02 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 06/01/2026 at 9:02 AM. Subject to change without notice. |
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Connect Savings*
| Balance Tier | Dividend | APY3 |
|---|---|---|
| Balance Tier: $0.01–$40,000¹ | Dividend: 2.96% | APY3 : 3.00% |
| Balance Tier: $40,000¹ + | Dividend: 0.10% | APY3 : 0.10% |
| Balance Tier: Not Qualified² | Dividend: 0.10% | APY3 : 0.10% |
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*Must have a Connect Plus Checking to open Connect Savings. ¹,² Refer to Connect Plus Checking qualifications, which then apply to Connect Savings. ³APY = Annual Percentage Yield Rates as of 06/01/2026 at 9:02 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 06/01/2026 at 9:02 AM. Subject to change without notice. |
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Teen 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 4 debit card transactions that post and settle to your account; c) login to online banking or mobile application at least 4 days. ‡ 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 07/06/2026 at 9:59 AM. Subject to change without notice. |
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Teen Savings*
| Balance Tier | Dividend | APY3 |
|---|---|---|
| Balance Tier: $0.01–$40,000 | Dividend: 2.96% | APY3 : 3.00% ¹ |
| Balance Tier: $40,000 | Dividend: 0.10% | APY3 : 0.10% ¹ + |
| Balance Tier: Not Qualified | Dividend: 0.10% | APY3 : 0.10% ² |
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*Must have a Teen Checking to open Teen Savings. ¹,² Refer to Teen Checking qualifications, which then apply to Teen Savings. ³APY = Annual Percentage Yield Rates as of 07/06/2026 at 10:00 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 06/01/2026 at 9:02 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 06/01/2026 at 9:02 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 06/01/2026 at 9:02 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 06/01/2026 at 9:03 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 06/01/2026 at 9:02 AM. Subject to change without notice. |
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