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Deposit Rates

These rates are posted as a convenience to you in planning your financial decisions.

Rates are updated regularly, but are subject to change without notice.

Rates current as of: September 14, 2022

Automatically renewable at maturity. There may be a substantial penalty for early withdrawal. A minimum balance of $1,000 is required to obtain the advertised APY.

Product Min. Opening Deposit Interest Rate APY
3 Month CD $1,000 0.05% 0.05%
6 Month CD $1,000 0.10% 0.10%
12 Month CD $1,000 0.20% 0.20%
18 Month CD $1,000 0.25% 0.25%
24 Month CD $1,000 0.30% 0.30%
36 Month CD $1,000 0.30% 0.30%
60 Month CD $1,000 0.40% 0.40%

Automatically renewable at maturity. There may be a substantial penalty for early withdrawal. *A minimum balance of $250 required to obtain the advertised APY. The interest rate and annual percentage yield may change after account opening.

Product Min. Opening Deposit Interest Rate APY
12 Month IRA Certificate of Deposit $250 0.20% 0.20%
18 Month IRA Certificate of Deposit
$250 0.25% 0.25%
24 Month IRA Certificate of Deposit
$250 0.30% 0.30%
36 Month IRA Certificate of Deposit
$250 0.30% 0.30%
60 Month IRA Certificate of Deposit
$250 0.40% 0.40%
12 Month Variable Rate IRA Certificate of Deposit*
$250 0.25% 0.25%
The interest rate and annual percentage yield may change after account opening. If the account is closed before interest is credited, accrued interest is forfeited. Earnings could be reduced should certain maintenance or activity fees be triggered. Due to Federal regulations, the following transaction limitations apply: You may make six debits by preauthorized or automatic transfers, or by telephone (including data transmission) per month. St. Johns Bank assesses a $10.00 fee for all transactions in excess of these limitations. If you exceed six debit transfers or withdrawals per month, a $2.00 fee will be imposed for each such transaction.
Product Min. Opening Deposit Interest Rate APY
Statement Savings $100 0.05% 0.05%

Learn about all the benefits of becoming a Super Saver. The interest rate and annual percentage yield may change after account opening. If the account is closed before interest is credited, accrued interest is forfeited. Earnings could be reduced should certain maintenance or activity fees be triggered. Due to Federal regulations, the following transaction limitations apply: You may make six debits by preauthorized or automatic transfers, or by telephone (including data transmission) per month. St. Johns Bank assesses a $10.00 fee for all transactions in excess of these limitations. If you exceed six debit transfers or withdrawals per month, a $2.00 fee will be imposed for each such transaction.

Product Min. Opening Deposit Interest Rate APY
Youth Savings
$1 0.05% 0.05%

The interest rate and annual percentage yield may change after account opening. If the account is closed before interest is credited, accrued interest is forfeited. Earnings could be reduced should certain maintenance or activity fees be triggered. ACH debits not allowed to this account. Due to Federal regulations, the following transaction limitations apply: You may make six debits by preauthorized or automatic transfers, or by telephone (including data transmission) per month. St. Johns Bank assesses a $10.00 fee for all transactions in excess of these limitations.

Product Min. Opening Deposit Interest Rate APY
Health Savings Account $100 0.05% 0.05%

The interest rate and annual percentage yield may change after account opening. Interest is credited annually. If the account is closed before interest is credited, accrued interest is forfeited. Earnings could be reduced should certain maintenance or activity fees be triggered. Minimum $10 automatic transfer (AFT) from a St. Johns Bank account required at least monthly. No withdrawals allowed until the annual distribution in October.

Product Min. Opening Deposit Interest Rate APY
Christmas Club $10 0.05% 0.05%

The interest rate and annual percentage yield may change after account opening. You must maintain the minimum balance shown in the tier to obtain the disclosed annual percentage yield. If the account is closed before interest is credited, accrued interest is forfeited. Earnings could be reduced should certain maintenance or activity fees be triggered..

Product Min. Opening Deposit Interest Rate APY
Daily Balances of up to $9,999.99
$100 0.02% 0.02%
Daily Balances of $10,000 and up
$100 0.02% 0.02%

The interest rate and annual percentage yield may change after account opening. You must maintain the minimum balance shown in the tier to obtain the disclosed annual percentage yield. If the account is closed before interest is credited, accrued interest is forfeited. Earnings could be reduced should certain maintenance or activity fees be triggered.

Products Min. Opening Deposit Interest Rate APY
Daily Balances of $9,999.99 $100 0.02% 0.02%
Daily Balances of $10,000 and up $100 0.02% 0.02%

The interest rate and annual percentage yield may change after account opening. You must maintain the minimum balance shown in the tier to obtain the disclosed annual percentage yield. If the account is closed before interest is credited, accrued interest is forfeited. Earnings could be reduced should certain maintenance or activity fees be triggered. Due to Federal regulations, the following transaction limitations apply: You may make six debits by preauthorized or automatic transfers, or by telephone (including data transmission) per month. St. Johns Bank assesses a $10.00 fee for all transactions in excess of these limitations.

Product Min. Opening Deposit Interest Rate APY
Daily Balances of $1,000 - $24,999.99
$1,000 0.05% 0.05%
Daily Balances of $25,000 - $49,999.99
$1,000 0.08% 0.08%
Daily Balances of $50,000 and up
$1,000 0.10% 0.10%
The interest rate and annual percentage yield may change after account opening. You must maintain the minimum balance shown in the tier to obtain the disclosed annual percentage yield. If the account is closed before interest is credited, accrued interest is forfeited. Earnings could be reduced should certain maintenance or activity fees be triggered. Due to Federal regulations, the following transaction limitations apply: You may make six debits by preauthorized or automatic transfers, or by telephone (including data transmission) per month. St. Johns Bank assesses a $10.00 fee for all transactions in excess of these limitations.
Product Min. Opening Deposit Interest Rate APY
Daily Balances of $1,000 - $24,999.99
$1,000 0.05% 0.05%
Daily Balances of $25,000 - $49,999.99
$1,000 0.08% 0.08%
Daily Balances of $50,000 and up
$1,000 0.10% 0.10%