Rates

Rates effective as of April 1, 2020. Rates may change after accounts are opened, except fixed rate certificates of deposit. Fees may reduce earnings. APY=Annual Percentage Yield.

Certificates of Deposit

Term Minimum* APY Interest Rate
18-Month Fixed Rate CD $1,000 1.10% 1.09%
1-Year Fixed Rate CD $1,000 1.00% 1.00%
2-Year Fixed Rate CD $1,000 1.15% 1.14%
Variable IRA $100 0.40% 0.40%

* The minimum to open and obtain the APY is the minimum stated in each category. Withdrawal of interest will reduce earnings. A penalty will be imposed for early withdrawal. These rates apply to CDs up to $1 million. For amounts in excess of $1 million, please contact BTH Bank.

Customer Beneficial Money Market

Balance* APY Interest Rate
<$50,000 0.25% 0.25%
$50,000 - $99,999 0.25% 0.25%
$100,000 - $499,999 0.50% 0.50%
$500,000 - $999,999 0.75% 0.75%
$1,000,000 - Over 0.75% 0.75%

*$10,000 is required to open the account and to avoid the monthly service charge.

Rates are subject to change.

Money Market Plus Accounts

Balance* APY Interest Rate
<$50,000 0.20% 0.20%
$50,000 to $99,999 0.25% 0.25%
$100,000 to $499,999 0.50% 0.50%
$500,000 - Over 0.75% 0.75%

*$100 is required to open the account. Minimum balance of $10,000 is required to avoid the monthly service charge.

Kasasa Cash

Balance APY Interest Rate
Balances up to $7,000 2.25% 2.23%
Portion of balance over $7,000 2.25 to 0.19%

Assumed balance of $100,000

0.05%
All balances (Non-Qualify) 0.01% 0.01%

To earn rewards, complete the following transactions and activities in Kasasa Cash each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Have at least 1 ACH payment or direct deposit post and settle
  • Enroll in online banking and receive free eStatements

Advantage Checking

Balance APY Interest Rate
$1,000 to $49,999 0.01% 0.01%
$50,000 and over 0.03% 0.03%

Health Savings Account

Account Type APY Interest Rate
HSA Checking 0.01% 0.01%

Savings Accounts

Account Type APY Interest Rate
Money Market Account 0.03% 0.03%
Savings Account* 0.03% 0.03%

Business NOW

Balance APY Interest Rate
$1,000 to $49,999 0.01% 0.01%
$50,000 and over 0.03% 0.03%