Interest Rates
Personal
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 as of 2/13/2026
Personal Interest Checking
| Interest will be compounded daily and will be credited to the account monthly. |
| Minimum Daily Balance | Interest Rate3 | APY1,3 |
| $1,500 + | 0.05% | 0.050% |
Personal and Youth Savings2
Interest will be compounded daily and will be credited to the account quarterly.
| Minimum Balance | Interest Rate3 | APY1,3 |
| $0.01 + | 0.15% | 0.150% |
Personal Money Market2
Interest will be compounded daily and will be credited to the account monthly.
| Minimum Daily Balance | Interest Rate3 | APY1,3 |
| $2,500 – $49,999 | 0.10% | 0.100% |
| $50,000 – $99,999 | 0.20% | 0.200% |
| $100,000 + | 0.25% | 0.250% |
Certificate of Deposit (CD)
Minimum Opening Deposit of $1,000
| Term | Interest Rate4 | APY1,3,4 |
| 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 | Interest Rate4 | APY1,3,4 |
| 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 | Interest Rate4 | APY1,3,4 |
| 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.
1 Annual Percentage Yield (APY) compounded daily.
2 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.
3 APY and interest rate are effective as of the date listed above and are subject to change without notice as determined solely by Native American Bank, N.A. Fees may reduce earnings on the account.
4 After the point of issuance, APY and interest rate are fixed for all CD products during the applicable term. Early withdrawal penalties may apply. Fees or withdrawal may reduce earnings on the account.
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!