Deposit Rates


 

Updated 10/25/2018

Personal Savings, Money Market, and Checking Accounts

  • Keys Savings
    Minimum Balance APY** Rate
    $499 or less 0.05% 0.05%
    $500 - $2,499 0.05% 0.05%
    $2,500 - $9,999 0.10% 0.10%
    $10,000 or greater 0.10% 0.10%
  • Kirby Kids Savings
    Minimum Balance APY** Rate
    $49 or less 0.00% 0.00%
    $50 - $999 1.00% 1.00%
    $1,000 - $2,400 1.00% 1.00%
    $25,000 or $9,999 0.03% 0.03%
    $10,000 or greater 0.05% 0.05%
  • Keys Money Market
    Minimum Balance APY** Rate
    $2,500 - $9,999 0.40% 0.40%
    $10,000 - $49,999 0.40% 0.40%
    $50,000 - $99,999 0.55% 0.55%
    $100,000 - $499,999 0.80% 0.80%
    $500,000 - $999,999 0.90% 0.90%
    $1,000,000 or greater 1.00% 1.00%
  • Keys IRA Money Market
    Minimum Balance APY** Rate
    $2,499 or less 0.40% 0.40%
    $2,500 - $9,999 0.40% 0.40%
    $10,000 - $49,999 0.40% 0.40%
    $50,000 - $99,999 0.55% 0.55%
    $100,000 - $499,999 0.80% 0.80%
    $500,000 - $999,999 0.90% 0.90%
    $1,000,000 or greater 1.00% 1.00%
  • Keys Premier Checking
    Minimum Balance APY** Rate
    $1,000 - $9,999 0.03% 0.03%
    $10,000 - $24,999 0.05% 0.05%
    $25,000 - $49,999 0.07% 0.07%
    $50,000 - $99,999 0.10% 0.10%
    >$499,999 0.15% 0.15%
  • Keys 50 Plus Checking
    Minimum Balance APY** Rate
    $500 - $999 0.01% 0.01%
    $1,000 - $9,999 0.03% 0.03%
    $10,000 - $24,999 0.05% 0.05%
    $25,000 - $49,999 0.07% 0.07%
    $50,000 - $99,999 0.10% 0.10%
    >$100,000 0.15% 0.15%

Business Savings, Money Market, and Checking Accounts

  • Keys Business Money Market
    Minimum Balance APY** Rate
    $2,500 - $9,999 0.40% 0.40%
    $10,000 - $49,999 0.40% 0.40%
    $50,000 - $99,999 0.55% 0.55%
    $100,000 - $499,999 0.80% 0.80%
    $500,000 - $999,999 0.90% 0.90%
    $1,000,000 or greater 1.00% 1.00%
  • Keys Premier Business Checking
    Minimum Balance APY** Rate
    $1,000 - $9,999 0.03% 0.03%
    $10,000 - $24,999 0.05% 0.05%
    $25,000 - $49,999 0.07% 0.07%
    $50,000 - $99,999 0.10% 0.10%
    >$100,000 0.15% 0.15%

Certificates

  • Share Certificates & IRA Certificates
    Certificates Minimum Balance APY** Rate
    91 Days $2,500 0.25% 0.25%
    6 Months $2,500 0.35% 0.35%
    12 Months $500 1.75% 1.73%
    13 Months Bump Up $500 1.50% 1.49%
    23 Months Bump Up $500 2.25% 2.23%
    24 Months $500 2.50% 2.47%
    36 Months $500 2.75% 2.71%
    48 Months $500 3.00% 2.96%
    60 Months $500 3.25% 3.20%
  • Jumbo Share Certificates & IRA Certificates
    Jumbo Certificates Minimum Balance APY** Rate
    91 Days $100,000 0.25% 0.25%
    6 Months $100,000 0.35% 0.35%
    12 Months $100,000 1.75% 1.73%
    13 Months Bump Up $100,000 1.50% 1.49%
    23 Months Bump Up $100,000 2.25% 2.23%
    24 Months $100,000 2.50% 2.47%
    36 Months $100,000 2.75% 2.71%
    48 Months $100,000 3.00% 2.96%
    60 Months $100,000 3.25% 3.20%

*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan.
**APY = Annual Percentage Yield. Rates are subject to change at any time and are not guaranteed.