keep your money earning
earn interest while still having access to your money*
- $2,500 opening deposit
- $8.00 monthly service charge if average daily balance falls below $2,500
- Interest earned on average daily balance over $2,500
- Tiered interest rate subject to daily change
Current Rates
Effective Date: 07/13/2025
| Interest Rate | APY | |
| $2,500 – $24,999 | .15% | .15% |
| $25,000 – $99,999 | .20% | .20% |
| $100,000 or greater | .25% | .25% |
*The information above is accurate as of the effective date. Interest Rates may change after an account is opened and these rates will be posted as of their effective date. Maintenance and / or activity fees may reduce earnings. APY = Annual Percentage Yield The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal of interest or any withdrawal may reduce earnings and a penalty may be applied on some accounts for early withdrawals. A minimum balance is required on all checking accounts (except electronic and copper accounts), savings (except Santa Savers), all CD, IRA and money market accounts. Interest Rates subject to change daily.
Contact a FirstOak Staff member for specific account information.