Current Rates

Our bank rates are updated regularly for our full suite of personal and business deposit accounts.
Rates effective as of October 13, 2025, and are subject to change.

T Bank's Current Rates

CD Rates *

T Bank offers CDs with competitive rates and flexible terms to fit your savings goals. All accounts are FDIC insured up to applicable limits.

Term	Annual Percentage Yield (APY) Branch $1,000 Minimum Deposit	Annual Percentage Yield (APY) Digital Online $25,000 Minimum Deposit
6 Month	4.00%	-
12 Month	4.00%	4.00%
18 Month	3.10%	-
24 Month	3.20%	-
36 Month	3.20%	-
48 Month	3.20%	-
60 Month	3.20%	-

The above rates are offered at this time and are subject to change.

IRA Rates *

Term	Annual Percentage Yield (APY)
1 Year	3.10%
2 Year	3.25%
3 Year	3.25%
4 Year	3.25%
5 Year	3.25%

T Plus Checking **

	Annual Percentage Yield (APY)
$1,500-$24,999.99	0.05%
$25,000-$99,999.99	0.10%
$100,000-$249,999.99	0.15%
$250,000-$499,999.99	0.15%
$500,000-$999,999.99	0.15%
$1,000,000 and up	0.15%

T Market/T Market Commercial **

	Annual Percentage Yield (APY)
$2,500-$9,999.99	0.75%
$10,000-$24,999.99	0.80%
$25,000-$99,999.99	1.25%
$100,000-$249,999.99	3.65%
$250,000-$499,999.99	3.65%
$500,000-$999,999.99	3.65%
$1,000,000 and up	3.65%

T Savings **

	Annual Percentage Yield (APY)
Average Balance	0.75%

T Plus Business **

	Annual Percentage Yield (APY)
$1,500-$24,999.99	0.05%
$25,000-$99,999.99	0.10%
$100,000-$249,999.99	0.15%
$250,000-$499,999.99	0.15%
$500,000-$999,999.99	0.15%
$1,000,000 and up	0.15%

* Fixed Rate APY effective October 13, 2025. CDs & IRAs are subject to a early withdrawal penalty.

** Variable Rate APY effective October 13, 2025.

Rates may change at any time without prior notice.
Fees could reduce earnings on the account.

Contact a T Bank Client Relationship Manager

Contact a T Bank Client Relationship Manager for further information about applicable fees and terms.

Bank Rates FAQs

How often do your bank rates change?

Our variable-rate accounts, such as Money Market and T Plus Checking, may have rates that change based on market conditions. Our Certificate of Deposit (CD) rates are fixed when you open the account for a guaranteed return over the term. We update this page regularly to reflect the most current bank rates.

What is the difference between Interest Rate and APY?

The Interest Rate is the base rate of return on your principal. The Annual Percentage Yield (APY) is the total return you’ll earn in a year, including the effect of compound interest. APY is the most accurate way to compare the earning potential of different accounts.

Do these bank rates apply to both personal and business accounts?

Yes, this page includes rates for our primary personal and business deposit accounts. Some products, like our T Plus Business account, are designed specifically for commercial clients. Please see the descriptions above each table for details.