Interest Rates
For Businesses, Tribal Enterprises and Non-Profits
creating access to affordable capital
At Native American Bank, we strive to create access to affordable capital that helps individuals, businesses, and underserved communities thrive. Affordable lending starts with a strong foundation of maintaining a disciplined approach to managing our costs and funding sources. Because of this, we offer interest rates that translate to more affordable lending options for our customers.
Current interest rates
Business Interest Checking
| Interest will be compounded daily and will be credited to the account monthly. |
| Minimum Average Balance | Rate | APY* |
| $5,000 + | 0.05% | 0.050% |
Business Savings
Interest will be compounded quarterly and will be credited to the account quarterly.
| Minimum Average Balance | Rate | APY* |
| $0.01 + | 0.15% | 0.150% |
Business Money Market**
Interest will be compounded daily and will be credited to the account monthly.
| Minimum Average Balance | Rate | APY* |
| $5,000 – $99,999 | 0.15% | 0.150% |
| $100,000 – $249,999 | 0.25% | 0.250% |
| $250,000 – $499,999 | 0.30% | 0.300% |
| $500,000 – $999,999 | 0.35% | 0.351% |
| $1,000,000 + | Contact us to discuss available rates. |
Certificate of Deposit (CD)**
Minimum Opening Deposit of $1,000
| Term | Rate | APY* |
| 3 Months | 0.50% | 0.501% |
| 6 Months | 1.25% | 1.256% |
| 12 Months | 1.50% | 1.508% |
| 18 Months | 1.45% | 1.458% |
| 24 Months | 1.35% | 1.357% |
| 36 Months | 1.25% | 1.256% |
| 48 Months | 1.15% | 1.155% |
| 60 Months | 1.20% | 1.205% |
Minimum Opening Deposit of $25,000
| Term | Rate | APY* |
| 3 Months | 0.55% | 0.551% |
| 6 Months | 1.30% | 1.306% |
| 12 Months | 1.55% | 1.559% |
| 18 Months | 1.50% | 1.508% |
| 24 Months | 1.40% | 1.407% |
| 36 Months | 1.30% | 1.306% |
| 48 Months | 1.20% | 1.205% |
| 60 Months | 1.25% | 1.256% |
Minimum Opening Deposit of $100,000
| Term | Rate | APY* |
| 3 Months | 0.60% | 0.601% |
| 6 Months | 1.35% | 1.357% |
| 12 Months | 1.60% | 1.610% |
| 18 Months | 1.55% | 1.559% |
| 24 Months | 1.45% | 1.458% |
| 36 Months | 1.35% | 1.357% |
| 48 Months | 1.25% | 1.256% |
| 60 Months | 1.30% | 1.306% |
Minimum Opening Deposit of $1,000,000
Contact us to discuss available terms and rates.
*Annual Percentage Yield (APY) compounded daily.
**Federal regulations allow no more than six (6) transfers and/or withdrawals per month on Savings and Money Market accounts. ATM withdrawals and withdrawals made through a Teller at a branch location do not count toward the six (6) transfer or withdrawal limit.
Rates may change daily as determined solely by Native American Bank, N.A.
learn more about how your deposits matter
impact banking
We help Tribes, Alaska Native Corporations and Villages, Tribal Enterprises, Tribal Housing Authorities, Native and non-Native entrepreneurs, and impact-driven organizations access the financial resources they need to serve their communities.
how your deposits impact our communities
As of 2025, our lending has generated more than $432 million in economic impact, supporting Native Nations, Native-owned businesses, Native individuals, and community-driven initiatives across Indian Country.
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Make your money matter — open an account with Native American Bank today!