Account Rates
Check out our current interest rates for personal deposit CDs, money market, checking, savings, and retirement IRAs.
CDs & IRAs
Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) pay higher interest than regular savings accounts and offer a range of investment options to fit your financial goals. To learn more, please call Park Bank At Your Service at 608.278.2801 or stop by any Park Bank branch during business hours.
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Interest Rate
|
Annual Percentage Yield (APY)
|
Compounding Frequency
|
Minimum Opening Deposit
|
|---|---|---|---|---|
| 3-Month (not available for IRAs) | 0.07% | 0.07% |
Maturity |
$5,000** |
| 6-Month | 0.10% | 0.10% |
Quarterly |
$2,500** |
| 1-Year | 0.15% | 0.15% |
Quarterly |
$1,000** |
| 18-Month | 0.20% | 0.20% |
Quarterly |
$1,000** |
| 6-Month Special | 3.75% | 3.80% |
Quarterly |
$5,000***/** |
| 12-Month Special | 3.94% | 4.00% |
Quarterly |
$5,000***/** |
| 30-Month Special | 3.70% | 3.75% |
Quarterly |
$5,000***/** |
| 2-Year | 0.25% | 0.25% |
Quarterly |
$1,000** |
| 3-Year | 0.30% | 0.30% |
Quarterly |
$1,000** |
| 4-Year | 0.40% | 0.40% |
Quarterly |
$1,000** |
| 5-Year | 0.50% | 0.50% |
Quarterly |
$1,000** |
*APY is accurate as of 4/15/25. Penalty for early withdrawal may be imposed for CDs/IRA CDs. Fees or withdrawals may reduce earnings.
**No minimum balance required to obtain advertised APY.
***Minimum of $5,000 new money to Park Bank may be required.
Savings
Personal savings interest rates paired with lower fees results in savings growth while keeping funds accessible. Open a savings account online or stop by any Park Bank branch during business hours.
Classic Savings
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Interest Rate
|
Annual Percentage Yield (APY)
|
Compounding Frequency
|
Minimum Opening Deposit
|
|---|---|---|---|---|
| Below $1,000 | 0.01% | 0.01% |
Monthly |
No minimum to open or obtain APY |
| $1,000 - $2,499.99 | 0.01% | 0.01% |
Monthly |
No minimum to open or obtain APY |
| $2,500 - $9,999.99 | 0.03% | 0.03% |
Monthly |
No minimum to open or obtain APY |
| $10,000 - $24,999.99 | 0.03% | 0.03% |
Monthly |
No minimum to open or obtain APY |
| $25,000+ | 0.05% | 0.05% |
Monthly |
No minimum to open or obtain APY |
Investor Savings
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Interest Rate
|
Annual Percentage Yield (APY)
|
Compounding Frequency
|
Minimum Opening Deposit
|
|---|---|---|---|---|
| Below $1,000 | 0.01% | 0.01% |
Monthly |
No minimum to open or obtain APY |
| $1,000 - $9,999.99 | 0.03% | 0.03% |
Monthly |
No minimum to open or obtain APY |
| $10,000 - $24,999.99 | 0.03% | 0.03% |
Monthly |
No minimum to open or obtain APY |
| $25,000 - $99,999.99 | 0.05% | 0.05% |
Monthly |
No minimum to open or obtain APY |
| $100,000 - $249,999.99 | 0.10% | 0.10% |
Monthly |
No minimum to open or obtain APY |
| $250,000+ | 0.15% | 0.15% |
Monthly |
No minimum to open or obtain APY |
Early Saver
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Interest Rate
|
Annual Percentage Yield (APY)
|
Compounding Frequency
|
Minimum Opening Deposit
|
|---|---|---|---|---|
| Early Saver | 0.03% | 0.03% |
Monthly |
No minimum to open or obtain APY |
*Classic Savings, Investor Savings, and Early Saver are variable rate accounts which may change at any time at Park Bank’s discretion. Fees or withdrawals may reduce earnings.
Personal Money Market
Money Market accounts offer tiered interest rates and annual percentage yields (APY) that help earn money faster. Open a money market account online or stop by any Park Bank branch during business hours.
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Interest Rate
|
Annual Percentage Yield (APY)
|
Compounding Frequency
|
Minimum Opening Deposit
|
|---|---|---|---|---|
| Below $1,000 | 0.05% | 0.05% |
Monthly |
No minimum to open or obtain APY |
| $1,000 - $9,999.99 | 0.10% | 0.10% |
Monthly |
No minimum to open or obtain APY |
| $10,000 - $24,999.99 | 0.20% | 0.20% |
Monthly |
No minimum to open or obtain APY |
| $25,000 - $99,999.99 | 0.40% | 0.40% |
Monthly |
No minimum to open or obtain APY |
| $100,000+ | 0.60% | 0.60% |
Monthly |
No minimum to open or obtain APY |
*Interest rate and APY is accurate as of 1/2/25. This account is a variable rate account which may change at any time at Park Bank’s discretion. Fees or withdrawals may reduce earnings.
Personal Checking
Our Aspire Interest Checking account earns competitive interest rates. Open an interest-bearing personal checking account online or stop by any Park Bank branch during business hours.
Aspire Checking
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Interest Rate
|
Annual Percentage Yield (APY)
|
Compounding Frequency
|
Minimum Opening Deposit
|
|---|---|---|---|---|
| Aspire Checking | 0.01% | 0.01% |
Monthly |
No minimum to open or obtain APY |
Imagine Checking
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Interest Rate
|
Annual Percentage Yield (APY)
|
Compounding Frequency
|
Minimum Opening Deposit
|
|---|---|---|---|---|
| Imagine Checking | N/A% | N/A% |
N/A |
No minimum to open |
HSA Individual and HSA Family
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Interest Rate
|
Annual Percentage Yield (APY)
|
Compounding Frequency
|
Minimum Opening Deposit
|
|---|---|---|---|---|
| Below $1,000 | 0.00% | 0.00% |
Monthly |
No minimum to open or obtain APY |
| $1,000 - $4,999.99 | 0.01% | 0.01% |
Monthly |
No minimum to open or obtain APY |
| $5,000+ | 0.01% | 0.01% |
Monthly |
No minimum to open or obtain APY |
*APYs are accurate as of 1/2/25. All interest-bearing checking accounts are variable rate accounts which may change at any time at Park Bank's discretion. Fees or withdrawals may reduce earnings.
Business Money Market
Our Business Money Market account offers tiered rates while keeping funds accessible. Learn more about our business banking accounts or contact a business banker for further assistance.
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Interest Rate
|
Annual Percentage Yield (APY)
|
Compounding Frequency
|
Minimum Opening Deposit
|
|---|---|---|---|---|
| Below $24,999 | 0.15% | 0.15% |
Monthly |
No minimum to open or obtain APY |
| $25,000 - $94,999.99 | 0.30% | 0.30% |
Monthly |
No minimum to open or obtain APY |
| $100,000 - $499,999.99 | 0.60% | 0.60% |
Monthly |
No minimum to open or obtain APY |
| $500,000 - $999,999.99 | 0.80% | 0.80% |
Monthly |
No minimum to open or obtain APY |
| $1,000,000+ | 0.90% | 0.90% |
Monthly |
No minimum to open or obtain APY |
*APYs are accurate as of 1/2/25. This account is a variable rate account which may change at any time at Park Bank's discretion. Fees or withdrawals may reduce earnings.