Extraco Banks, National Association rates: up to 5.00% APY
bank · FDIC CERT 5551 · www.extracobanks.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| First Savings Interest | $0 - $4,999 | 5.00% | APY | 2026-11-01 | since 2026-11-01 | |
| First Savings Interest | $5,000 and above | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Savings Interest | $0 - $24,999 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Savings Interest | $25,000 and above | 1.00% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Certificate of Deposit | 30 Day | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 90 Day | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 180 Day | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 12-month | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 18-month | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 24-month | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 30-month | 4.00% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Premier Plus Money Market Interest | $0 - $24,999 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Plus Money Market Interest | $25,000 - $49,999 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Plus Money Market Interest | $50,000 - $249,999 | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Plus Money Market Interest | $250,000 - $499,999 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Plus Money Market Interest | $500,000 and above | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Rate Money Market Interest | $0 - $24,999 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Rate Money Market Interest | $25,000 - $49,999 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Rate Money Market Interest | $50,000 - $249,999 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Rate Money Market Interest | $250,000 - $499,999 | 2.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Rate Money Market Interest | $500,000 and above | 3.00% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Easy Checking Interest | $0 - $4,999 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Easy Checking Interest | $5,000 and above | 0.01% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.extracobanks.com/banking-extraco/savings-accounts/smart-rate-money | — | extract-failed | |
| info.extracobanks.com/higher-savings-rates | — | extract-failed | |
| www.extracobanks.com/personal/current-rates | 2026-11-01 18:24 UTC | ok | f78cb522b729 |
| www.extracobanks.com/banking-extraco/savings-accounts | — | extract-failed |