Personal Account Rates

Our rates help you save with a sense of purpose
Build your savings on a strong foundation

Our rates are competitive with banks throughout New York and New Jersey, allowing you to get more out of your money. Stop by any of our convenient offices and open your account today.

Online Exclusive Rates*

Product Minimum Balance Annual Percentage Yield* Interest Rate Apply
OneConnection Savings $0.00 - $2,499.99 0.00% 0.00% Apply Now
$2,500.00 - $249,999.99 1.25% 1.24% Apply Now
$250,000.00+ 1.50% 1.49% Apply Now

Time Deposits (TD)/IRA Time Deposits (IRA TD)**

Please note, IRA Time Deposits are not available online.
Product Minimum Balance Annual Percentage Yield Interest Rate Apply Now
90 Day $500.00 0.25% 0.25% Open A 90 Day TD
6 Month $500.00 0.25% 0.25% Open A 6 Month TD
7 Month $500.00 2.85% 2.81% Open A 7 Month TD
12 Month $500.00 0.25% 0.25% Open A 12 Month TD
13 Month $500.00 3.30% 3.25% Open A 13 Month TD
18 Month $500.00 3.60% 3.54% Open A 18 Month TD
23 Month $500.00 3.60% 3.54% Open A 23 Month TD
24 Month $500.00 0.50% 0.50% Open A 24 Month TD
34 Month $500.00 2.25% 2.23% Open A 34 Month TD
36 Month $500.00 0.50% 0.50% Open A 36 Month TD
46 Month $500.00 2.35% 2.32% Open A 46 Month TD
48 Month $500.00 0.50% 0.50% Open A 48 Month TD
58 Month $500.00 2.45% 2.42% Open A 58 Month TD
60 Month $500.00 0.50% 0.50% Open A 60 Month TD

Checking/Money Market Rates*

Product Minimum Balance Annual Percentage Yield Interest Rate
Money Market $0.00 - $999.99 0.00% 0.00%
$1,000.00 - $2,499.99 0.05% 0.05%
$2,500.00+ 0.20% 0.20%
Impact Money Market $0.00 - $2,499.99 0.00% 0.00%
$2,500.00 - $49,999.99 0.20% 0.20%
Apply Now $50,000.00 - $749,999.99 0.50% 0.50%
$750,000.00+ 0.50% 0.50%
Consumer Interest Checking $0.00-999.99 0.00% 0.00%
$1,000.00+ 0.05% 0.05%

† To qualify for the Impact Money Market Checking, the account must be opened with funds from another institution.

Savings*

Product Minimum Balance Annual Percentage Yield Interest Rate
Statement Savings $0.00+ 0.05% 0.05%

How can we help you?

Contact a ConnectOne Bank representative to learn more.

*Annual Percentage Yield (APY) is effective as of 9/24/22 and subject to change at any time and without notice. This offer may be withdrawn at any time without prior notification.  Rate in effect at time of account opening. This is a variable rate account. Your interest and APY may change without notice.  Fees can reduce earnings.

**Annual Percentage Yield (APY) is effective as of 9/24/22 and subject to change at any time and without notice. Early withdrawal penalties may be imposed and the fee could reduce interest and principle for Time Deposits.

You come first. We aren't like those other banks.

At ConnectOne Bank, we understand that little things matter and focus on those things when providing personal and business banking solutions for our clients.