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Quontic Bank deposit interest rates & APYs

Effective as of
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Business banking deposit rates

Business accounts Balances to obtain rate Interest rate2 APY3 Minimum to open account
Business interest checking Balances through $499.99 0.00% 0.00% $500.00
  Balances over $499.99 0.25% 0.25%
Quontic business interest checking4 Balances through $499.99 0.00% 0.00% $2,500.00
$500.00 - $2,499.99 0.25% 0.25%
Balances over $2,499.99 0.50% 0.50%
Quontic business money market7 Balances through $999.99 0.00% 0.00% $500.00
$1,000.00 - $49,999.99 0.25% 0.25%
$50,000.00 - $249,999.99 0.50% 0.50%
  $250,000.00 - $999,999.99 0.75% 0.75%  
Balances over $999,999.99 1.00% 1.00%
IOLA account Balances through $1,000,000.01 0.25% 0.25% $500.00
Power Business Checking5 Balances through $24,999.99 0.25% 0.25% $25,000.00
Balances over $24,999.99 1.00% 1.01%
Business savings7 Balances through $999.99 0.00% 0.00% $500.00
Balances over $999.99 0.25% 0.25%
Attorney escrow savings7 Balances through $100,000.00 0.25% 0.25% $500.00
Tenant escrow savings7 Balances through $100,000.00 0.25% 0.25% $500.00

Business CD6 Balances to obtain rate Interest rate2 APY3 Minimum to open account
3 month business All balances 0.35% 0.35% $1,000.00
6 month business All balances 0.90% 0.90% $1,000.00
9 month business All balances 0.30% 0.30% $1,000.00
12 month business All balances 1.00% 1.01% $1,000.00
18 month business All balances 1.20% 1.21% $1,000.00
24 month business All balances 1.30% 1.31% $1,000.00
36 month business All balances 1.45% 1.46% $1,000.00
48 month business All balances 1.65% 1.66% $1,000.00
60 month business All balances 1.80% 1.82% $1,000.00

Other resources

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Disclosure: For additional terms & conditions that apply to your account (such as fees, how interest is calculated & early withdrawal penalties on CDs), please see your account agreement & fee schedule for your account. IRA & personal CDs are only available to consumers. The interest rates & Annual Percentage Yields (APYs) listed in this deposit rate sheet are effective on the date shown above & apply to accounts located in New York. The interest rate & APY on non-term accounts can change at any time without notice.

  1. Promotional personal products are available through the date shown above. Promotional products can only be obtained with new money & new money cannot be funds held by Quontic Bank
  2. Applicable fees charged on some accounts may reduce your earnings. 
  3. Annual Percentage Yield (APY).  
  4. Quontic Business Interest Checking is only available new customers to Quontic Bank. It is not available to existing Quontic Bank customers or those whose accounts have been closed within 90 days or closed with a negative balance. 
  5. Power Business Checking can only be obtained with new money & new money cannot be funds held by Quontic Bank. 
  6. Early withdrawal penalties apply on CD accounts. 
  7. Money market accounts & savings accounts are subject to excess withdrawal fees processed over the six allowed transactions per statement cycle.
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