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Personal Business

Deposit Rates

Checking Accounts*

Account Name Interest Rate Annual Percentage Yield (APY) Minimum to Open Minimum to Obtain APY
Safe Now - Tier 2 0.150% 0.15% $500 $0
Safe Now - Tier 1 0.150% 0.15% $500 $2500
NOW - Tier 2 0.150% 0.15% $2500 $0
NOW - Tier 1 0.150% 0.15% $2500 $2500
Safe Money Market - Tier 4 0.499% 0.50% $1000 $0
Safe Money Market - Tier 3 0.648% 0.65% $1000 $10,000
Safe Money Market - Tier 2 0.995% 1.00% $1,000 $100,00
Safe Money Market - Tier 1 1.341% 1.35% $1000 $500,000

Savings Accounts*

Account Name Interest Rate Annual Percentage Yield (APY) Minimum to Open Minimum to Obtain APY
Savings Account 0.250% 0.25% $100 $0
Christmas Club 0.250% 0.25% $0 $0

Certificates of Deposit

Account Name Interest Rate Annual Percentage Yield (APY) Minimum to Open
7-29 Days 0.548% 0.55% $1,000
30 Days 0.548% 0.55% $1,000
60 Days 0.548% 0.55% $1,000
90 Days 0.548% 0.55% $1,000
6 thru 11 Months 1.193% 1.20% $500
12 thru 17 Months 1.489% 1.50% $100
18 thru 29 Months 1.735% 1.75% $100
30 thru 47 Months 1.980% 2.00% $100
48 thru 59 Months 1.980% 2.00% $100
60 Months 1.980% 2.00% $100

Substantial penalty for early withdrawal

Individual Retirement Accounts (IRA)

Account Name Interest Rate Annual Percentage Yield (APY) Minimum to Open Minimum to Obtain APY
IRA Savings* 0.250% 0.25% $25 $0

IRA Certificates

Account Name Interest Rate Annual Percentage Yield (APY) Minimum to Open
6 thru 11 Months 1.193% 1.20% $500
12 thru 17 Months 1.489% 1.50% $500
18 thru 29 Months 1.735% 1.75% $500
30 thru 47 Months 1.980% 2.00% $500
48 thru 59 Months 1.980% 2.00% $500
60 Months 1.980% 2.00% $500

Substantial penalty for early withdrawal

Health Savings Accounts (HSA)*

Account Name Interest Rate Annual Percentage Yield (APY) Minimum to Open Minimum to Obtain APY
HSA - Tier 2 0.100% 0.10% $0 $0
HSA - Tier 1 0.100% 0.10% $0 $2,500

Contact a First Westroads Bank Personal Banker for information about applicable fees and terms.

* Rates on variable rate Checking, Savings, and HSA accounts can change without notice. Fees may reduce account earnings.

Rates are current as of November 11, 2022.