Deposit Rates
Updated 02/01/2024
Personal Savings, Money Market, and Checking Accounts
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Keys Savings
Minimum Balance APY** Rate $5 or more 0.10% 0.1000% -
Kirby Kids Savings
Minimum Balance APY** Rate $0.01 to $1,000 1.10% 1.0940% $1,001 or greater 0.10% 0.1000% -
Keys Money Market
Click here to learn more about Keys Money Market to see how you can earn a 1.00%APY* BONUS on our current rates.
Minimum Balance APY** Rate $2,500 - $24,999 0.35% 0.3490% $25,000 - $49,999 0.35% 0.3490% $50,000 - $99,999 0.35% 0.3490% $100,000 or greater 0.35% 0.3490% -
Keys IRA Money Market
Minimum Balance APY** Rate $2,500 - $24,999 0.35% 0.3490% $25,000 - $49,999 0.35% 0.3490% $50,000 - $99,999 0.35% 0.3490% $100,000 or greater 0.35% 0.3490% -
Keys Premier Checking (for existing accounts only)
Minimum Balance APY** Rate $1,000 - $9,999 0.005% 0.01% $10,000 - $24,999 0.005% 0.01% $25,000 - $49,999 0.005% 0.01% $50,000 - $99,999 0.005% 0.01% >$100,000 0.005% 0.01% -
Keys 50 Plus Checking (for existing accounts only)
Minimum Balance APY** Rate $500 - $999 0.005% 0.01% $1,000 - $9,999 0.005% 0.01% $10,000 - $24,999 0.005% 0.01% $25,000 - $49,999 0.005% 0.01% $50,000 - $99,999 0.005% 0.01% >$100,000 0.005% 0.01%
Business Savings, Money Market, and Checking Accounts
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Keys Business Money Market
Minimum Balance APY** Rate $2,500 - $9,999 0.35% 0.3490% $10,000 - $49,999 0.35% 0.3490% $50,000 - $99,999 0.35% 0.3490% $100,000 - $499,999 0.35% 0.3490% $500,000 - $999,999 0.35% 0.3490% $1,000,000 or greater 0.35% 0.3490% -
Keys Premier Business Checking
Minimum Balance APY** Rate $1,000 - $9,999 0.005% 0.01% $10,000 - $24,999 0.005% 0.01% $25,000 - $49,999 0.005% 0.01% $50,000 - $99,999 0.005% 0.01% >$100,000 0.005% 0.01%
Certificates
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Share Certificates & IRA Certificates
Certificates Minimum Balance APY** Rate 6 Months $500 0.7500% 0.7472% 12 Months $500 1.0000% 0.9950% 24 Months $500 2.0000% 1.9803% 36 Months $500 2.50% 2.469% 48 Months $500 3.50% 3.440% 60 Months $500 4.50% 4.402%
*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.
