Deposit Rates
Checking Accounts*
| Account Name | Interest Rate | Annual Percentage Yield (APY) | Minimum to Open | Minimum to Obtain APY |
|---|---|---|---|---|
| Premier Consumer Checking | 0.1500% | 0.1500% | $100 | $0 |
| Elite Consumer Checking - Tier 1 | 2.7769% | 2.8125% | $100 | $500,000.01 |
| Elite Consumer Checking - Tier 2 | 2.8743% | 2.9125% | $100 | $1,000,000.01 |
| Elite Consumer Checking - Tier 3 | 2.9230% | 2.9625% | $100 | $2,000,000.01 |
| Elite Consumer Checking - Tier 4 | 2.9717% | 3.0125% | $100 | $3,000,000.01 |
| Elite Consumer Checking - Tier 5 | 3.0203% | 3.0625% | $100 | $4,000,000.01 |
Money Market Accounts*
| Account Name | Interest Rate | Annual Percentage Yield (APY) | Minimum to Open | Minimum to Obtain APY |
|---|---|---|---|---|
| Consumer Money Market - Tier 1 | 0.4989% | 0.5000% | $100 | $0 |
| Consumer Money Market - Tier 2 | 0.9954% | 1.0000% | $100 | $10,000.01 |
| Consumer Money Market - Tier 3 | 1.6869% | 1.7000% | $100 | $100,000.01 |
| Consumer Money Market - Tier 4 | 2.0310% | 2.0500% | $100 | $500,000.01 |
| Elite Consumer Money Market - Tier 1 | 2.7769% | 2.8125% | $100 | $500,000.01 |
| Elite Consumer Money Market - Tier 2 | 2.8743% | 2.9125% | $100 | $1,000,000.01 |
| Elite Consumer Money Market - Tier 3 | 2.9230% | 2.9625% | $100 | $2,000,000.01 |
| Elite Consumer Money Market - Tier 4 | 2.9717% | 3.0125% | $100 | $3,000,000.01 |
| Elite Consumer Money Market - Tier 5 | 3.0203% | 3.0625% | $100 | $4,000,000.01 |
Savings Accounts*
| Account Name | Interest Rate | Annual Percentage Yield (APY) | Minimum to Open | Minimum to Obtain APY |
|---|---|---|---|---|
| Consumer Savings | 0.250% | 0.25% | $100 | $0 |
Certificates of Deposit
| Account Name | Interest Rate | Annual Percentage Yield (APY) | Minimum to Open | Minimum to Obtain APY |
|---|---|---|---|---|
| 3 Month CD | 0.7479% | 0.7500% | $500 | $0 |
| 5 Month CD Special | 3.5524% | 3.6000% | $500 | $0 |
| 11 Month CD Special | 3.9899% | 4.0500% | $500 | $0 |
| 12 Month CD | 3.4062% | 3.4500% | $500 | $0 |
| 24 Month CD | 2.4769% | 2.5000% | $500 | $0 |
| 36 Month CD | 2.4769% | 2.5000% | $500 | $0 |
| 48 Month CD | 2.4769% | 2.5000% | $500 | $0 |
| 60 Month CD | 2.4769% | 2.5000% | $500 | $0 |
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* | 0.2500% | 0.2500% | $500 | $0 |
IRA Certificates
| Account Name | Interest Rate | Annual Percentage Yield (APY) | Minimum to Open | Minimum to Obtain APY |
|---|---|---|---|---|
| IRA 3 Month CD | 0.7479% | 0.7500% | $500 | $0 |
| IRA 6 Month CD | 3.5524% | 3.6000% | $500 | $0 |
| IRA 12 Month CD | 3.4062% | 3.4500% | $500 | $0 |
| IRA 24 Month CD | 2.4769% | 2.5000% | $500 | $0 |
| IRA 36 Month CD | 2.4769% | 2.5000% | $500 | $0 |
| IRA 48 Month CD | 2.4769% | 2.5000% | $500 | $0 |
| IRA 60 Month CD | 2.4769% | 2.5000% | $500 | $0 |
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 | 0.1000% | 0.1000% | $0 | $0 |
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 April 10, 2026.