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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: June 4, 2021

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 0.15% 0.15%
18 Month CD $1,000 0.20% 0.20%
24 Month CD $1,000 0.23% 0.23%
36 Month CD $1,000 0.30% 0.30%
60 Month CD $1,000 0.39% 0.39%

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 Rates APY
12 Month IRA Certificate of Deposit $250 0.15% 0.15%
18 Month IRA Certificate of Deposit
$250 0.20% 0.20%
24 Month IRA Certificate of Deposit
$250 0.23% 0.23%
36 Month IRA Certificate of Deposit
$250 0.30% 0.30%
60 Month IRA Certificate of Deposit
$250 0.39% 0.39%
12 Month Variable Rate IRA Certificate of Deposit*
$250 0.20% 0.20%
Product Min. Opening Deposit Interest Rate APY
Statement Savings $100 0.04% 0.04%

Learn about all the benefits of becoming a Super Saver. Earnings could be reduced should certain maintenance or activity fees be triggered. Must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield. The interest rate and annual percentage yield may change after account opening.

Product Min. Opening Deposit Interest Rate APY
Youth Savings
$1 0.04% 0.04%

**Due to federal regulations, the following transaction limitations apply to the above accounts: Six preauthorized or automatic transfers per month. St. Johns Bank assesses a $10 fee for all transactions in excess of these limitations. The daily balance method is used to calculate the interest on the account. If the account is closed before interest is credited, accrued interest is forfeited. The interest rate and annual percentage yield may change after account opening. Earnings could be reduced should certain maintenance or activity fees be triggered.

Product Min. Opening Deposit Interest Rate APY
Health Savings Account $100 0.04% 0.04%

Deposits only by automatic transfer (AFT) from a St. Johns Bank account. Minimum $10 per AFT period. Interest is paid and compounded annually and earned on the ledger balance. $5 penalty for early closure. If account is closed before interest is credited, accrued interest is forfeited. The interest rate and annual percentage yield may change after account opening. A minimum balance of $10 required to obtain the advertised APY.

Product Min. Opening Deposit Interest Rate APY
Christmas Club $10 0.04% 0.04%

The interest rate and annual percentage yield may change after account opening. You must maintain a minimum balance in order to obtain the disclosed annual percentage yield. Fees could reduce earnings on the account.

Product 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 0.05% 0.05%

The interest rate and annual percentage yield may change after account opening. You must maintain a minimum balance in order to obtain the disclosed annual percentage yield. Fees could reduce earnings on the account.

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 0.05% 0.05%

The interest rate and annual percentage yield may change after account opening. You must maintain a minimum balance in order to obtain the disclosed annual percentage yield. Fees could reduce earnings on the account.

Product Min. Opening Deposit Interest Rate APY
Daily Balances of $1,000 - $24,999.99
$1,000 0.01% 0.01%
Daily Balances of $25,000 - $49,999.99
$1,000 0.03% 0.03%
Daily Balances of $50,000 and up
$1,000 0.06% 0.06%
Product Min. Opening Deposit Interest Rate APY
Daily Balances of $1,000 - $24,999.99
$1,000 0.01% 0.01%
Daily Balances of $25,000 - $49,999.99
$1,000 0.03% 0.03%
Daily Balances of $50,000 and up
$1,000 0.06% 0.06%