Rate Tables
APY is Effective as of the Publication Date of March 5, 2021
Rates are Subject to Change
Digital Checking
Initial Minimum Deposit - $100
Non-interest bearing account
Essential Savings
Initial Minimum Deposit - $100
Interest Payment Frequency - Monthly
Compounding Method - Simple
Essential Savings *
Daily Collected BalanceAnnual Percentage Yield (APY)
-
0.02%
Interest Percentage Rate
-
0.02%
Signature Checking
Initial Minimum Deposit - $200
Interest Payment Frequency - Monthly
Compounding Method - Simple
Signature Checking *
Daily Collected Balance-
$250,000.00 and over
$100,000.00 to $249,999.99
$25,000.00 to $99,999.99
$10,000.00 to $24,999.99
$1,000.00 to $9,999.99
Up to $999.99
Annual Percentage Yield (APY)
-
0.01%
0.01%
0.01%
0.01%
0.01%
0.00%
Interest Percentage Rate
-
0.01%
0.01%
0.01%
0.01%
0.01%
0.00%
Signature Money Market
Initial Minimum Deposit - $1,000
Interest Payment Frequency - Monthly
Compounding Method - Simple
Signature Money Market *
Daily Collected Balance-
$250,000.00 and over
$100,000.00 to $249,999.99
$25,000.00 to $99,999.99
$10,000.00 to $24,999.99
$1,000.00 to $9,999.99
Up to $999.99
Annual Percentage Yield (APY)
-
0.06%
0.05%
0.04%
0.03%
0.03%
0.00%
Interest Percentage Rate
-
0.06%
0.05%
0.04%
0.03%
0.03%
0.00%
Relationship Money Market
Initial Minimum Deposit - $25,000
Interest Payment Frequency - Monthly
Compounding Method - Simple
Relationship Money Market * **
Daily Collected Balance-
$1,000,000.00 and over
$500,000.00 to $999,999.99
$250,000.00 to $499,999.99
$100,000.00 to $249,999.99
$25,000.00 to $99,999.99
Up to $24,999.99
Annual Percentage Yield (APY)
-
0.10%
0.10%
0.07%
0.06%
0.04%
0.00%
Interest Percentage Rate
-
0.10%
0.10%
0.07%
0.06%
0.04%
0.00%
Health Savings Account (HSA)
Initial Minimum Deposit - $100
Interest Payment Frequency - Monthly
Compounding Method - Simple
Health Savings Account (HSA) *
Daily Collected Balance-
$25,000.00 and over
$10,000.00 to $24,999.99
$2,500.00 to $9,999.99
$1,000.00 to $2,499.99
Up to $999.99
Annual Percentage Yield (APY)
-
0.03%
0.03%
0.03%
0.03%
0.03%
Interest Percentage Rate
-
0.03%
0.03%
0.03%
0.03%
0.03%
Essential IRA Savings
Initial Monthly Depsoit - $100
Interest Payment Frequency - Monthly
Compounding Method - Simple
Essential IRA Savings *
Daily Collected BalanceAnnual Percentage Yield (APY)
-
0.02%
Interest Percentage Rate
-
0.02%
Certificate of Deposit Accounts (CDs)
Initial Minimum Deposit - $2,000
Compounding Method - Simple
Certificate of Deposit Accounts (CDs) ***
-
5 Year
4 Year
3 Year
2 Year
1 Year
6 Month
3 Month (CD only)
Annual Percentage Yield (APY)
-
0.25%
0.20%
0.13%
0.10%
0.07%
0.05%
0.05%
Interest Percentage Rate
-
0.25%
0.20%
0.13%
0.10%
0.07%
0.05%
0.05%
Interest Rate Frequency
-
Annual
Annual
Annual
Annual
Annual
At Maturity
At Maturity
CD Specials
Compounding Method - Simple
CD Specials ***
-
33 Month
18 Month
9 Month
Initial Minimum Deposit
-
$10,000
$5,000
$5,000
Annual Percentage Yield (APY)
-
0.15%
0.12%
0.10%
Interest Percentage Rate
-
0.15%
0.12%
0.10%
Interest Payment Frequency
-
Annual
Annual
At Maturity
Individual Retirement Accounts (IRA)
Initial Minimum Deposit - $300
Compounding Method - Simple
Individual Retirement Accounts (IRA) ***
-
5 Year
4 Year
3 Year
2 Year
1 Year
6 month
Annual Percentage Rate (APY)
-
0.25%
0.20%
0.13%
0.10%
0.07%
0.05%
Interest Percentage Rate
-
0.25%
0.20%
0.13%
0.10%
0.07%
0.05%
Interest Payment Frequency
-
Annual
Annual
Annual
Annual
Annual
At Maturity
IRA CD Specials
Initial Minimum Deposit - $300
Compounding Method - Simple
IRA CD Specials ***
-
33 Month
18 Month
9 Month
Annual Percentage Yield (APY)
-
0.15%
0.12%
0.10%
Interest Percentage Rate
-
0.15%
0.12%
0.10%
Interest Payment Frequency
-
Annual
Annual
At Maturity
Products offered by Johnson Bank, Member FDIC, a Johnson Financial Group Company.
* This account pays a variable rate of interest. Your interest rate and APY may change after the account is opened. Fees could reduce the earnings on the account.
** ELIGIBILITY – To qualify for the Relationship Money Market Account (MMDA), account owners must maintain two (2) additional products with Johnson Financial Group: One product must be a consumer checking (demand deposit) account (including accounts held in the capacity of a qualifying Trust); or a qualifying Johnson Bank Small Business Solutions Checking Account: 1) Where an account owner is the sole proprietor/owner (d/b/a), or 2) A Corporate, Limited Liability Corporation, or Limited Liability Partnership account for a business in which the account owner(s) is/are the majority owner(s), or 3) An account for a business owned by a revocable trust for which an account owner is the grantor and trustee, or 4) Partnership account in which the account owner(s) is/are the majority general partner(s), or 5) A Family Limited Partnership where the account owners, together, are the majority partner(s). The other product must be a consumer product held by the account owner(s) and include a consumer loan, consumer mortgage loan, credit card (offered through Élan Financial Services), LPL Financial (brokerage) account, Wealth account, or any Johnson Insurance consumer policy. Products may not be used with more than one Relationship Money Market. If the eligibility requirements are not maintained, the account will be automatically transferred (converted) to a Signature Money Market Account.
*** Minimum balance is required to obtain the stated APYs. A penalty may be imposed for early withdrawal.