Welcome to the Neighborhood

Disclosures

^* APY = Annual Percentage Yield. The APY is a variable rate and is accurate as of 10/24/2026 and subject to change after account opening.

Monthly qualifications apply to earn stated rate, refer to Rate & Fee Schedule for more information. $25 minimum deposit required to open account and fees may reduce earnings. The qualification period runs from the 1st day of the month until the last day of the month. Qualified Rate for Peak Account is 3.30% APY on the first $15,000, 0.05% APY on remaining balances. If qualifications are not met, the account earns the Non-Qualifying Base Rate of 0.00% APY and is not eligible for ATM fee refunds for that qualification period. 

Monthly qualifications: (1) Complete 12 or more in-person or online point-of-sale (POS) transactions or debit or credit card purchases (excluding recurring payments set up on the debit or credit card) that post and clear by close of business on the last day of month. Qualifying credit card transactions must be made with a credit card that is under the same Primary Membership Account as the Peak Account; (2) Sign up for electronic account statements (e-statements) by the last day of the month; and (3) Complete a qualifying Electronic Transaction that posts by the last day of the month: Receive a direct deposit, conduct an outgoing ACH transaction, or perform an online payment using our Bill Pay service.

Offer valid through December 18, 2026; application must be submitted by that date. Available for new Peak Accounts only. Not available to primary members who currently hold a Peak Account or received a Peak Account promotional reward in 2025 or 2026. Eligibility is based on primary account ownership. Limit one new Peak Account promotion per primary member in 2026.
First $100: Open a new Peak Account and enroll in e-statements within 10 banking days of account opening. The $100 promotional credit will be deposited by the 15th day after account opening.
Additional $100: Receive an additional $100 when one qualifying ACH direct deposit posts within 60 days of account opening. Qualifying ACH direct deposit excludes account-funding deposits, internal transfer, and transactions conducted through Account-to-Account (A2A) or Person-to-Person (P2P) services such as Zelle, Cash App, PayPal, or Venmo. The additional $100 will be deposited on or before the 10th business day of the month following completion of the requirement.
Account must be in good standing at payout. Accounts closed within 60 days from date of opening may forfeit unpaid promotional credits. Promotional credits may be reported to the IRS; recipient is responsible for applicable taxes. Offer subject to change or termination at any time without notice.
 

Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.