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Checking and Savings Account Ratescompetitive rates, great options

Switch to: Personal Loan Rates

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.

Direct Deposit 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 09/03/2021 at 8:56 AM. Subject to change without notice.

Regular Savings Account Rates

Minimum Dividend APY1
Minimum: $100Dividend: 0.10%APY1: 0.10%

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

Rates as of 09/03/2021 at 8:56 AM. Subject to change without notice.

Minor Savings Account (Under 18)

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 09/03/2021 at 8:56 AM. Subject to change without notice.

Holiday 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 09/03/2021 at 8:56 AM. Subject to change without notice.

Individual Retirement Account (IRA)

Minimum Dividend APY1
Minimum: $100Dividend: 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 09/03/2021 at 8:56 AM. Subject to change without notice.

Tax or Personal Savings (TOPS)

Minimum Dividend APY1
Minimum: $100Dividend: 0.10%APY1: 0.10%

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

Rates as of 09/03/2021 at 8:58 AM. Subject to change without notice.

Prosper Money Market

Minimum Dividend APY1
Minimum: $100Dividend: 0.10%APY1: 0.10%
Minimum: $10,000Dividend: 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.

Rates as of 09/03/2021 at 8:56 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 09/03/2021 at 8:56 AM. Subject to change without notice.

Health Savings Account

Minimum Dividend APY1
Minimum: $5Dividend: 0.75%APY1: 0.75%

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

Rates as of 09/03/2021 at 8:56 AM. Subject to change without notice.

Share Certificates & IRA Share Certificates

Minimum Term1 Checking Account Required Dividend APY2
Minimum: $500Term1: 6 monthChecking Account Required: Dividend: 0.25%APY2: 0.25%
Minimum: $500Term1: 1 yearChecking Account Required: Dividend: 0.35%APY2: 0.35%
Minimum: $500Term1: 18 monthChecking Account Required: Dividend: 0.40%APY2: 0.40%
Minimum: $500Term1: 2 yearChecking Account Required: Dividend: 0.45%APY2: 0.45%
Minimum: $500Term1: 3 yearChecking Account Required: Dividend: 0.55%APY2: 0.55%
Minimum: $500Term1: 4 yearChecking Account Required: Dividend: 0.60%APY2: 0.60%
Minimum: $500Term1: 5 yearChecking Account Required: Dividend: 0.70%APY2: 0.70%
Minimum: $10,000Term1: 38 monthChecking Account Required: checkmarkDividend: 0.80%APY2: 0.80%

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

3$5,000 new money required and $25,000 maximum; The dividend rate of this Certificate may be adjusted one time. Upon your request, we will change the rate of the Certificate to the current rate offered on the remaining term of the Certificate. You can only request the rate change one time after the twelfth month. Limited Time Offer.

Rates as of 09/03/2021 at 8:56 AM. Subject to change without notice.

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