Checking Accounts
Effective as of August 15, 2026
| Account Type | Dividend Rate | Annual Percentage Yield | Minimum Opening Balance | Minimum Monthly Balance |
|---|---|---|---|---|
Account TypePNW Premier Checking (if qualifications are not met) |
Dividend Rate0.05% on entire balance |
Annual Percentage Yield0.05% on entire balance |
Minimum Opening Balance$25* |
Minimum Monthly BalanceNone required to earn APY¹ |
Account TypePNW Premier Checking (when qualifications are met) |
Dividend Rate6.78% on daily account balances up to $4,000 and 0.05% on balances over $4,000 |
Annual Percentage Yield7.00% on daily account balances up to $4,000 and 0.05% on balances over $4,000 |
Minimum Opening Balance$25* |
Minimum Monthly BalanceNone required to earn APY¹ |
Account TypePNW Cash Back Checking (when qualifications are met) |
Dividend RateEarn 1% cash back on up to $3,000 in debit transactions for a maximum of $30 per month |
Annual Percentage Yield0.00% |
Minimum Opening Balance$25* |
Minimum Monthly BalanceNone required to earn cash back |
Account TypeTeen Checking |
Dividend Rate0.00% |
Annual Percentage Yield0.00% |
Minimum Opening Balance$25* |
Minimum Monthly BalanceNone |
Account TypeFree Checking |
Dividend Rate0.00% |
Annual Percentage Yield0.00% |
Minimum Opening Balance$25* |
Minimum Monthly BalanceNone |
Account TypeEstate Checking Account |
Dividend Rate0.00% |
Annual Percentage Yield0.00% |
Minimum Opening Balance$25* |
Minimum Monthly BalanceNone |
Account TypeWise55 Checking |
Dividend Rate0.25% |
Annual Percentage Yield0.25% |
Minimum Opening Balance$25* |
Minimum Monthly BalanceNone |
Account TypeUnlimited Potential Checking² |
Dividend Rate0.00% |
Annual Percentage Yield0.00% |
Minimum Opening Balance$25* |
Minimum Monthly BalanceNone |
²There is a monthly fee of $6.75 for this account.
Savings Accounts
Effective as of August 15, 2026
| Account Type | Dividend Rate | Annual Percentage Yield | Minimum Opening Balance | Minimum Monthly Balance |
|---|---|---|---|---|
Account TypeMinor Savings |
Dividend Rate0.50% |
Annual Percentage Yield0.50% |
Minimum Opening Balance$5 |
Minimum Monthly Balance$5, required to earn APY¹ |
Account TypeHoliday Savings |
Dividend Rate0.50% |
Annual Percentage Yield0.50% |
Minimum Opening Balance$5 |
Minimum Monthly BalanceNone |
Account TypeSet-Aside Savings |
Dividend Rate0.05% |
Annual Percentage Yield0.05% |
Minimum Opening Balance$5 |
Minimum Monthly BalanceNone |
Money Market Accounts
Effective as of August 15, 2026
| Dividend Rate | Annual Percentage Yield | Minimum Opening Balance | Minimum Monthly Balance | Minimum Daily Balance |
|---|---|---|---|---|
Dividend Rate2.00% |
Annual Percentage Yield2.01% |
Minimum Opening Balance$25 |
Minimum Monthly Balance$0-$9,999, required to earn APY¹ |
Minimum Daily Balance$1,000 to avoid $8 fee |
Dividend Rate2.00% |
Annual Percentage Yield2.01% |
Minimum Opening Balance$25 |
Minimum Monthly Balance$10,000-$99,999, required to earn APY¹ |
Minimum Daily Balance$1,000 to avoid $8 fee |
Dividend Rate2.00% |
Annual Percentage Yield2.01% |
Minimum Opening Balance$25 |
Minimum Monthly Balance$100,000-$249,999, required to earn APY¹ |
Minimum Daily Balance$1,000 to avoid $8 fee |
Dividend Rate2.00% |
Annual Percentage Yield2.01% |
Minimum Opening Balance$25 |
Minimum Monthly Balance$250,000-$999,999, required to earn APY¹ |
Minimum Daily Balance$1,000 to avoid $8 fee |
Dividend Rate2.00% |
Annual Percentage Yield2.01% |
Minimum Opening Balance$25 |
Minimum Monthly Balance$1,000,000 and over, required to earn APY¹ |
Minimum Daily Balance$1,000 to avoid $8 fee |
IRAs & Certificates
You cannot open an IRA online. Please visit one of our branch locations or give us call.
Effective as of August 15, 2026
| Account Type | Dividend Rate | Annual Percentage Yield | Minimum Opening Balance | Minimum Monthly Balance |
|---|---|---|---|---|
Account TypeIRA Savings³ |
Dividend Rate1.00% |
Annual Percentage Yield1.01% |
Minimum Opening Balance$100 |
Minimum Monthly Balance$100 |
Account Type1-Year Fixed Rate Accumulator IRA Certificate³ |
Dividend Rate3.69% |
Annual Percentage Yield3.75% |
Minimum Opening Balance$100 |
Minimum Monthly Balance$100 |
Account Type18-Month Fixed Rate Accumulator IRA Certificate³ |
Dividend Rate2.38% |
Annual Percentage Yield2.41% |
Minimum Opening Balance$500 |
Minimum Monthly Balance$500 |
Account Type2-Year Fixed Rate Accumulator IRA Certificate³ |
Dividend Rate2.43% |
Annual Percentage Yield2.46% |
Minimum Opening Balance$100 |
Minimum Monthly Balance$100 |
Account Type5-Year Fixed Rate IRA Certificate³ |
Dividend Rate1.87% |
Annual Percentage Yield1.89% |
Minimum Opening Balance$500 |
Minimum Monthly Balance$500 |
Account Type6-Month Certificate |
Dividend Rate2.89% |
Annual Percentage Yield2.93% |
Minimum Opening Balance$500 |
Minimum Monthly Balance$500 |
Account Type12-Month Certificate |
Dividend Rate3.69% |
Annual Percentage Yield3.75% |
Minimum Opening Balance$500 |
Minimum Monthly Balance$500 |
Account Type18-Month Certificate |
Dividend Rate2.38% |
Annual Percentage Yield2.41% |
Minimum Opening Balance$500 |
Minimum Monthly Balance$500 |
Account Type24-Month Certificate |
Dividend Rate2.33% |
Annual Percentage Yield2.36% |
Minimum Opening Balance$500 |
Minimum Monthly Balance$500 |
Account Type30-Month Certificate |
Dividend Rate1.97% |
Annual Percentage Yield1.99% |
Minimum Opening Balance$500 |
Minimum Monthly Balance$500 |
Account Type36-Month Certificate |
Dividend Rate1.87% |
Annual Percentage Yield1.89% |
Minimum Opening Balance$500 |
Minimum Monthly Balance$500 |
Account Type48-Month Certificate |
Dividend Rate1.77% |
Annual Percentage Yield1.79% |
Minimum Opening Balance$500 |
Minimum Monthly Balance$500 |
Account TypeFlexible 12-Month Certificate |
Dividend Rate2.86% |
Annual Percentage Yield2.90% |
Minimum Opening Balance$500 |
Minimum Monthly Balance$500 |
Account TypeFlexible 18-Month Certificate |
Dividend Rate2.03% |
Annual Percentage Yield2.05% |
Minimum Opening Balance$500 |
Minimum Monthly Balance$500 |
Account TypeFlexible 36-Month Certificate |
Dividend Rate1.73% |
Annual Percentage Yield1.74% |
Minimum Opening Balance$500 |
Minimum Monthly Balance$500 |
Account TypeJumbo 6-Month Certificate |
Dividend Rate2.99% |
Annual Percentage Yield3.03% |
Minimum Opening Balance$50,000 |
Minimum Monthly Balance$50,000 |
Account TypeJumbo 12-Month Certificate |
Dividend Rate3.69% |
Annual Percentage Yield3.75% |
Minimum Opening Balance$50,000 |
Minimum Monthly Balance$50,000 |
Account TypeJumbo 18-Month Certificate |
Dividend Rate2.53% |
Annual Percentage Yield2.56% |
Minimum Opening Balance$50,000 |
Minimum Monthly Balance$50,000 |
Fees may reduce earnings.
³There is an $8 annual fee associated with this account.
Dividends on all IRAs and certificate accounts are calculated daily and compounded and credited monthly. All IRA and flex certificates come with add-on and bump-up features.
Early withdrawal penalties may apply.
HOME LOANS
Vehicle Loans
Competitive rates make it easier to compare your financing options. Review current rates for the vehicle you have in mind, then choose a payment and term that work for your budget.
Term is determined by collateral year and loan amount for all vehicle types. Your personalized rate will be based on your credit qualifications and the loan amount and term.
Effective as of August 15, 2026
| Loan Type | Annual Percentage Rate |
|---|---|
Loan TypeAuto Loan (new and used) |
Annual Percentage RateAs low as 5.79% |
Loan TypeBoat Loan (new and used) |
Annual Percentage RateAs low as 7.09% |
Loan TypeMotorcycle Loan (new and used) |
Annual Percentage RateAs low as 7.14% |
Loan TypeOther Secured Loan (new and used) |
Annual Percentage RateAs low as 7.59% |
Loan TypeRV Loan (new and used) |
Annual Percentage RateAs low as 7.59% |
Personal Loans
Rates are based on WSJ prime plus a margin (based on credit qualifications). Rates are subject to change without notice.
Effective as of August 15, 2026
| Loan Type | Annual Percentage Rate |
|---|---|
Loan TypePersonal Line of Credit |
Annual Percentage RateAs low as 10.75% |
Loan TypeSignature Loan |
Annual Percentage RateAs low as 9.24% |
Loan TypeSeasonal Loan (Signature Loan) |
Annual Percentage RateAs low as 9.24% |
Loan TypeShare Secured Loan |
Annual Percentage Rate3.00% margin + the APY¹ of account securing the loan |
Home Equity Line of Credit
Rates are based on WSJ prime plus a margin (based on credit qualifications), with a maximum of 12.50%. Rate is subject to change quarterly. Property insurance is required.
Effective as of August 15, 2026
| Loan Type | Annual Percentage Rate | Terms | Additional Information |
|---|---|---|---|
Loan TypeHome Equity Line of Credit |
Annual Percentage RateAs low as 6.75% |
TermsLine of credit stays open for 10 years, and you have an additional 15 years to pay it back |
Additional InformationFinancing up to 90% loan to value available with qualifying credit |
CREDIT CARDS
Business Checking Accounts
You cannot apply for a business account or loan online, but visit any of our branch locations or give us call, and we would be happy to get you into the right product.
Effective as of August 15, 2026
| Account Type | Dividend Rate | Annual Percentage Yield | Minimum Opening Balance | Account Balance |
|---|---|---|---|---|
Account TypeBusiness Basic Checking |
Dividend Rate0.000% |
Annual Percentage Yield0.00% |
Minimum Opening Balance$100* |
Account Balance$0 |
Account TypeBusiness Interest Checking |
Dividend Rate0.01% |
Annual Percentage Yield0.01% |
Minimum Opening Balance$100* |
Account Balance$0-$9,999 |
Account TypeBusiness Interest Checking |
Dividend Rate0.05% |
Annual Percentage Yield0.05% |
Minimum Opening Balance$100* |
Account Balance$10,000-$24,999 |
Account TypeBusiness Interest Checking |
Dividend Rate0.10% |
Annual Percentage Yield0.10% |
Minimum Opening Balance$100* |
Account Balance$25,000-$99,999 |
Account TypeBusiness Interest Checking |
Dividend Rate0.15% |
Annual Percentage Yield0.15% |
Minimum Opening Balance$100* |
Account Balance$100,000-$249,999 |
Account TypeBusiness Interest Checking |
Dividend Rate0.20% |
Annual Percentage Yield0.20% |
Minimum Opening Balance$100* |
Account Balance$250,000 and over |
Business Savings Accounts
You cannot apply for a business account or loan online, but visit any of our branch locations or give us call, and we would be happy to get you into the right product.
Effective as of August 15, 2026
| Account Type | Dividend Rate | Annual Percentage Yield | Minimum Opening Balance | Minimum Monthly Balance |
|---|---|---|---|---|
Account TypeBusiness Savings |
Dividend Rate0.050% |
Annual Percentage Yield0.05% |
Minimum Opening Balance$5 + one-time $5 membership fee |
Minimum Monthly Balance$100 daily balance required to earn APY¹ |
Account Type6-Month Certificate |
Dividend Rate2.89% |
Annual Percentage Yield2.93% |
Minimum Opening Balance$500 |
Minimum Monthly Balance$500 |
Account Type12-Month Certificate |
Dividend Rate3.69% |
Annual Percentage Yield3.75% |
Minimum Opening Balance$500 |
Minimum Monthly Balance$500 |
Business Money Market Accounts
You cannot apply for a business account or loan online, but visit any of our branch locations or give us call, and we would be happy to get you into the right product.
Effective as of August 15, 2026
| Dividend Rate | Annual Percentage Yield | Minimum Opening Balance | Monthly Balance | Minimum Monthly Balance |
|---|---|---|---|---|
Dividend Rate2.00% |
Annual Percentage Yield2.01% |
Minimum Opening Balance$100 |
Monthly Balance$0-$9,999, required to earn APY¹ |
Minimum Monthly Balance$10,000 to avoid $10 fee |
Dividend Rate2.00% |
Annual Percentage Yield2.01% |
Minimum Opening Balance$100 |
Monthly Balance$10,000-$99,999, required to earn APY¹ |
Minimum Monthly Balance$10,000 to avoid $10 fee |
Dividend Rate2.00% |
Annual Percentage Yield2.01% |
Minimum Opening Balance$100 |
Monthly Balance$100,000-$249,999, required to earn APY¹ |
Minimum Monthly Balance$10,000 to avoid $10 fee |
Dividend Rate2.00% |
Annual Percentage Yield2.01% |
Minimum Opening Balance$100 |
Monthly Balance$250,000-$999,999, required to earn APY¹ |
Minimum Monthly Balance$10,000 to avoid $10 fee |
Dividend Rate2.00% |
Annual Percentage Yield2.01% |
Minimum Opening Balance$100 |
Monthly Balance$1,000,000 and over, required to earn APY¹ |
Minimum Monthly Balance$10,000 to avoid $10 fee |
¹APY = annual percentage yield. Dividends on all IRA and certificate accounts are calculated daily and compounded and credited monthly. Early withdrawal penalties may apply. See full account disclosures for details.
*If checking account maintains a zero balance for nine consecutive months, the account will be closed.
Rates are subject to change.