Skip to main content
  • Contact Us
  • Locations
  • MoneyPass ATMs
  • About Us
  • Careers

Deposit Rates

Annual percentage yields are accurate as of: January 6, 2023

Checking Accounts

Ultimate Checking
Daily Balance Tier* Interest Rate APY
$0 to $24,999.99 0.08% 0.08%
$25,000 to $99,999.99 0.10% 0.10%
$100,000 to $249,999.99 0.15% 0.15%
$250,000 or more 0.25% 0.25%

Easy Checking Plus & Classic 50 Checking
Daily Balance Tier* Interest Rate APY
$1,000 or more 0.07% 0.07%

Community Checking
Daily Balance Tier* Interest Rate APY
$0 to $24,999.99 0.05% 0.05%
$25,000 to $99,999.99 0.05% 0.05%
$100,000 to $249,999.99 0.10% 0.10%
$250,000 or more 0.10% 0.10%

Lawyer and Real Estate Trust Account
Account Type Interest Rate APY
Daily Balance Tier*
COLTAF
   $1,000 or more 0.07% 0.07%
IOLTA (Wyoming)
   $1,000 or more 0.05% 0.05%
CARHOF
   $1,000 or more 0.05% 0.05%



Savings Accounts

Premium Personal and Business Money Market & IRA Variable
Daily Balance Tier* Interest Rate APY
$0 to $24,999.99 0.35% 0.35%
$25,000 to $99,999.99 0.40% 0.40%
$100,000 to $249,999.99 0.50% 0.50%
$250,000 to $999,999.99 0.75% 0.75%
$1,000,000 to $4,999,999.99 1.00% 1.00%
$5,000,000 or more 1.00% 1.00%

Personal Savings, Business Savings, Spare-Change Savings & Youth Savings
Daily Balance Tier* Interest Rate APY
$0 or more 0.10% 0.10%



Specialty Savings Accounts

Health Savings Account
Daily Balance Tier* Interest Rate APY
$100 to $999.99 0.01% 0.01%
$1,000 to $2,499.99 0.01% 0.01%
$2,500 to $9,999.99 0.01% 0.01%
$10,000 or more 0.01% 0.01%



Certificates of Deposit

Relationship Rate Standard Rate
90 Day Interest Rate APY Interest Rate APY
$1,000 to $9,999.99 1.45% 1.46% 1.43% 1.44%
$10,000 or more 1.50% 1.51% 1.45% 1.46%
180 Day
$1,000 to $9,999.99 2.45% 2.47% 2.20% 2.22%
$10,000 or more 2.50% 2.52% 2.25% 2.27%
12 Month
$1,000 to $9,999.99 2.65% 2.68% 2.50% 2.52%
$10,000 or more 3.00% 3.03% 2.85% 2.88%
24 Month
$1,000 to $9,999.99 2.45% 2.47% 2.25% 2.27%
$10,000 or more 2.75% 2.78% 2.55% 2.57%
36 Month
$1,000 to $9,999.99 1.85% 1.86% 1.75% 1.76%
$10,000 or more 1.95% 1.96% 1.80% 1.81%
48 Month
$1,000 to $9,999.99 1.90% 1.91% 1.80% 1.81%
$10,000 or more 1.95% 1.96% 1.85% 1.86%
60 Month
$1,000 to $9,999.99 2.00% 2.02% 1.85% 1.86%
$10,000 or more 2.05% 2.07% 1.90% 1.91%


* APY is subject to change without notice. The Interest Rate and Annual Percentage Yield may change after account opening. Fees could reduce the earnings on the account. The daily balance tier noted includes the minimum balance to obtain the interest rate and APY to be paid on the entire collected balance in your account. Ultimate Checking: Minimum deposit to open is $100, $20 a month or waived with an average balance of $5,000. Easy Checking Plus: Minimum deposit to open is $25, $12 a month or waived with an average balance of $1,000. Classic 50 Checking: Minimum deposit to open is $25. No monthly service fee. Premium Personal Market: Minimum deposit to open is $100, $10 a month or waived with an average balance of $2,500. Personal Savings: Minimum deposit to open is $25, $5 a month or waived with an average balance of $200. IRA Variable Savings: Minimum deposit to open is $100. Community Checking: Minimum deposit to open is $25.  Lawyer and Real Estate Trust Account:  Minimum deposit to open is $25. Premium Business Money Market: Minimum deposit to open is $100, $10 a month or waived with an average balance of $2,500. Business Savings: Minimum deposit to open is $25, $5 a month or waived with an average balance of $500. Spare-Change Savings: Minimum deposit to open is $25. No monthly service fee. Must be attached to a personal checking account with debit card. If the debit card auto-transfer feature is cancelled, the account will convert to Personal Savings Account with balance requirements and fees. Youth Savings: Minimum deposit to open is $0. No monthly service fee. Early closing fee of $25 if account is closed within the first 90 days. Health Savings Accounts: Minimum deposit to open and earn interest is $100. $5 monthly service fee. Certificates of Deposit: Relationship rate requires another ANB Account (checking, savings or money market) for these Annual Percentage Yields (APYs). For personal and business CDs and IRAs, minimum opening deposit is $1,000. Penalty may be imposed for early withdrawal. Maturities greater than one year pay interest at least annually.