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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.

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 12/04/2019 at 9:46 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 12/04/2019 at 9:46 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 12/04/2019 at 9:46 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 12/04/2019 at 9:48 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 12/04/2019 at 9:48 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 12/04/2019 at 9:49 AM. Subject to change without notice.

Prosper Money Market

Minimum Dividend APY1
Minimum: $100Dividend: 0.10%APY1: 0.10%
Minimum: $10,000Dividend: 0.50%APY1: 0.50%
Minimum: $25,000Dividend: 0.80%APY1: 0.80%
Minimum: $50,000Dividend: 0.99%APY1: 1.00%
Minimum: $100,000Dividend: 1.14%APY1: 1.15%
Minimum: $250,000Dividend: 1.24%APY1: 1.25%

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

Rates as of 12/04/2019 at 9:58 AM. Subject to change without notice.

Investor's Money Market

Minimum Dividend APY1
Minimum: $100Dividend: 0.10%APY1: 0.10%
Minimum: $2,500Dividend: 0.10%APY1: 0.10%
Minimum: $10,000Dividend: 0.15%APY1: 0.15%

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

Rates as of 12/04/2019 at 9:58 AM. Subject to change without notice.

Health Savings Account

Minimum Dividend APY1
Minimum: $5Dividend: 1.00%APY1: 1.00%

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

Rates as of 12/04/2019 at 9:58 AM. Subject to change without notice.

Saver's Sweepstakes

Minimum Dividend APY1
Minimum: $5Dividend: 0.30%APY1: 0.30%

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

Rates as of 12/04/2019 at 9:58 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: 0.75%APY2: 0.75%
Minimum: $500Term1: 1 yearChecking Account Required: Dividend: 1.04%APY2: 1.05%
Minimum: $500Term1: 18 monthChecking Account Required: Dividend: 1.24%APY2: 1.25%
Minimum: $500Term1: 2 yearChecking Account Required: Dividend: 1.44%APY2: 1.45%
Minimum: $500Term1: 3 yearChecking Account Required: Dividend: 1.54%APY2: 1.55%
Minimum: $500Term1: 4 yearChecking Account Required: Dividend: 1.64%APY2: 1.65%
Minimum: $500Term1: 5 yearChecking Account Required: Dividend: 1.74%APY2: 1.75%
Minimum: $2,000Term1: 3 monthChecking Account Required: checkmarkDividend: 0.75%APY2: 0.75%
Minimum: $10,000Term1: 14 monthChecking Account Required: checkmarkDividend: 1.88%APY2: 1.90%
Minimum: $10,000Term1: 29 monthChecking Account Required: checkmarkDividend: 2.13%APY2: 2.15%

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 12/04/2019 at 9:59 AM. Subject to change without notice.

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