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Quontic Bank deposit interest rates & APYs

Effective as of
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Personal banking deposit rates

Promotional personal products1 Balances to obtain rate Interest rate2 APY3 Minimum to open account
Promo interest checking Balances through $99.99 0.00% 0.00% $10,000.00
$100.00 - $9,999.99 0.25% 0.25%
Balances over $9,999.99 0.25% 0.25%
Promo money market7 Balances through $99.99 0.00% 0.00% $10,000.00
$100.00 - $9,999.99 0.25% 0.25%
Balances over $9,999.99 1.00% 1.01%
Promo 3 month CD6 All balances 0.41% 0.41% $10,000.00
Promo 6 month CD6 All balances 1.01% 1.01% $10,000.00
Promo 12 month CD6 All balances 1.61% 1.62% $10,000.00
Promo 18 month CD6 All balances 1.71% 1.72% $10,000.00
Promo 24 month CD6 All balances 1.81% 1.83% $10,000.00
Promo 36 month CD6 All balances 2.01% 2.03% $10,000.00
Promo 60 month CD6 All balances 2.01% 2.03% $10,000.00

Personal accounts Balances to obtain rate Interest rate2 APY3 Minimum to open account
Personal interest checking Balances through $99.99 0.00% 0.00% $100.00
  Balances over $99.99  0.25%  0.25%   
Quontic personal money market7 Balances through $99.99 0.00% 0.00% $100.00
$100.00 - $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%
Regular savings7 Balances through $99.99 0.00% 0.00% $100.00
$100.00 - $24,999.99 0.50% 0.50%
$25,000.00 - $99,999.99 0.75% 0.75%
  Balances over $99,999.99 1.00%   1.00%  
Quontic junior savings7 All balances 0.50% 0.50% $100.00

Personal CD/IRA6 Balances to obtain rate Interest rate2 APY3 Minimum to open account
3 month personal All balances 0.35% 0.35% $1,000.00
6 month personal All balances 0.70% 0.70% $1,000.00
9 month personal All balances 0.30% 0.30% $1,000.00
12 month personal All balances 1.00% 1.01% $1,000.00
18 month personal All balances 1.20% 1.21% $1,000.00
24 month personal All balances 1.30% 1.31% $1,000.00
36 month personal All balances 1.45% 1.46% $1,000.00
48 month personal All balances 1.65% 1.66% $1,000.00
60 month personal All balances 1.80% 1.82% $1,000.00

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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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