Interest rates and annual percentage yields (APY) for personal and business deposit accounts at Calder Bank & Trust, N.A. Rates shown apply to accounts opened or renewed at any of our 61 offices and to consumer accounts opened through Q2 Online. Rates on certificates are fixed for the term. Rates on checking, savings and money market accounts are variable and may change at any time after the account is opened.
Rates as of August 5, 2026. This page is reviewed each business day and updated when a rate changes. If you are comparing a rate you were quoted in a branch, ask for it in writing, because a quoted rate is not locked until the account or certificate is funded.
Everyday Checking does not pay interest. The three interest bearing checking accounts pay a single rate on the entire balance once the balance to earn the APY is met. Account features, monthly service charges and the conditions for waiving them are described on the personal checking page and in the account disclosures.
| Account | Minimum to open | Minimum daily balance to earn APY (3) | Interest rate | APY (1) |
|---|---|---|---|---|
| Everyday Checking | $50.00 | Not applicable | Does not earn interest | Does not earn interest |
| Student Checking (ages 16 through 23) (5) | $25.00 | Not applicable | Does not earn interest | Does not earn interest |
| Calder Interest Checking | $100.00 | $500.00 | 0.03% | 0.03% |
| Calder 55 Checking (ages 55 and over) (5) | $100.00 | $500.00 | 0.05% | 0.05% |
| Premier Checking, $2,500.00 through $9,999.99 | $2,500.00 | $2,500.00 | 0.05% | 0.05% |
| Premier Checking, $10,000.00 through $49,999.99 | $2,500.00 | $10,000.00 | 0.15% | 0.15% |
| Premier Checking, $50,000.00 and above | $2,500.00 | $50,000.00 | 0.25% | 0.25% |
Premier Checking is tiered. The rate that corresponds to the ending daily balance is paid on the entire balance in the account, not only on the portion within that tier. Interest is not earned on any day the daily balance is below $2,500.00.
| Account | Minimum to open | Minimum daily balance to earn APY (3) | Interest rate | APY (1) |
|---|---|---|---|---|
| Statement Savings | $50.00 | $300.00 | 0.10% | 0.10% |
| Youth Savings (under age 18) (5) | $25.00 | $25.00 | 0.25% | 0.25% |
| Holiday Club | $10.00 | $10.00 | 0.10% | 0.10% |
| Health Savings Account | $0.00 | $0.00 | 0.30% | 0.30% |
Holiday Club balances are transferred to your Calder deposit account on October 1 each year. A withdrawal before that date closes the club account and forfeits interest accrued for the current club year. Details are on the personal savings page.
Minimum to open: $1,000.00. Minimum daily balance to earn the APY: $2,500.00. Interest is not earned on any day the daily balance is below $2,500.00. Variable rate
| Daily balance | Interest rate | APY (1) |
|---|---|---|
| $2,500.00 through $9,999.99 | 0.25% | 0.25% |
| $10,000.00 through $24,999.99 | 0.60% | 0.60% |
| $25,000.00 through $49,999.99 | 1.20% | 1.21% |
| $50,000.00 through $99,999.99 | 2.05% | 2.07% |
| $100,000.00 through $249,999.99 | 2.75% | 2.79% |
| $250,000.00 and above | 3.05% | 3.10% |
The rate for the applicable tier is paid on the entire balance. Under our account terms, six preauthorized or telephone transfers per statement cycle are permitted without a charge. Additional transfers are subject to the excess transaction charge listed in the fee schedule on the disclosures page.
Certificate rates are fixed for the full term and do not change until maturity. Minimum to open and minimum balance to earn the APY is $1,000.00 for standard certificates. Interest compounds daily and is credited quarterly. You may choose to have interest credited to the certificate, transferred to a Calder deposit account, or paid by check.
| Term | Minimum to open | Interest rate | APY (1) | Renews as |
|---|---|---|---|---|
| 7 month Featured | $10,000.00 | 3.90% | 3.98% | 6 month standard |
| 13 month Featured | $10,000.00 | 4.00% | 4.08% | 12 month standard |
Featured terms require at least $10,000.00 in funds not on deposit with Calder Bank & Trust within the prior 30 calendar days. At maturity a featured certificate renews into the standard term shown, at the standard rate then in effect. A featured offer may be withdrawn at any time, which does not affect a certificate that is already funded.
| Term | Minimum to open and to earn APY | Interest rate | APY (1) | Early withdrawal penalty (4) |
|---|---|---|---|---|
| 3 month | $1,000.00 | 3.05% | 3.10% | 90 days interest |
| 6 month | $1,000.00 | 3.45% | 3.51% | 90 days interest |
| 9 month | $1,000.00 | 3.60% | 3.67% | 90 days interest |
| 12 month | $1,000.00 | 3.75% | 3.82% | 180 days interest |
| 15 month | $1,000.00 | 3.80% | 3.87% | 180 days interest |
| 18 month | $1,000.00 | 3.70% | 3.77% | 180 days interest |
| 24 month | $1,000.00 | 3.40% | 3.46% | 365 days interest |
| 30 month | $1,000.00 | 3.25% | 3.30% | 365 days interest |
| 36 month | $1,000.00 | 3.15% | 3.20% | 365 days interest |
| 48 month | $1,000.00 | 3.05% | 3.10% | 365 days interest |
| 60 month | $1,000.00 | 3.10% | 3.15% | 365 days interest |
Longer terms do not always pay more. On August 5, 2026 the highest yield on this table is the 15 month term, and yields decline through the 48 month term before rising slightly at 60 months. Compare the term you actually need against the term with the highest yield before you decide.
IRA certificates are available in the same terms shown above and pay the same rate and APY as the standard certificate of like term. The minimum to open an IRA certificate is $500.00, and $500.00 is also the minimum daily balance required to earn the disclosed annual percentage yield on an IRA certificate. Contribution limits, eligibility and the tax treatment of distributions are set by federal law and are not determined by the bank. Calder Bank & Trust does not provide tax advice. Consult your tax advisor. (6)
Rates below apply to business deposit accounts opened through a branch. Analyzed commercial accounts, earnings credit rates and sweep arrangements are priced separately and are not shown here. See treasury management or ask your relationship officer.
| Account | Minimum to open | Minimum daily balance to earn APY (3) | Interest rate | APY (1) |
|---|---|---|---|---|
| Business Interest Checking | $500.00 | $2,500.00 | 0.20% | 0.20% |
| Business Statement Savings | $100.00 | $300.00 | 0.05% | 0.05% |
| Business Money Market, $2,500.00 through $24,999.99 | $2,500.00 | $2,500.00 | 0.35% | 0.35% |
| Business Money Market, $25,000.00 through $99,999.99 | $5,000.00 | $25,000.00 | 1.35% | 1.36% |
| Business Money Market, $100,000.00 through $499,999.99 | $5,000.00 | $100,000.00 | 2.50% | 2.53% |
| Business Money Market, $500,000.00 and above | $5,000.00 | $500,000.00 | 2.90% | 2.94% |
Business certificates of deposit are offered in the standard terms listed above at the same rates, with a $2,500.00 minimum. Non profit and public funds accounts may be subject to collateralization requirements. Ask a business banker or see business lending for related credit products.
If you withdraw principal from a certificate before the maturity date, a penalty is imposed. The penalty is calculated on the amount withdrawn at the interest rate in effect on the certificate at the time of withdrawal.
| Original term | Penalty |
|---|---|
| 3 through 11 months | 90 days interest on the amount withdrawn |
| 12 through 23 months | 180 days interest on the amount withdrawn |
| 24 months and longer | 365 days interest on the amount withdrawn |
The penalty may reduce principal if the interest earned on the certificate is less than the penalty amount. The penalty is waived on withdrawals made after the death or adjudication of incompetence of an owner, and on required minimum distributions from an IRA certificate held by an owner who has reached the applicable age.
Standard certificates renew automatically for the same term at the rate in effect on the maturity date. You have a grace period of 10 calendar days after the maturity date to withdraw funds, add funds or change the term without a penalty. We mail a maturity notice at least 30 calendar days before the maturity date of any certificate with a term longer than one month. Interest is not paid on funds withdrawn during the grace period after the maturity date.
The interest rate is the rate at which interest accrues on your balance. The annual percentage yield reflects the effect of compounding over one year. Because interest on these accounts compounds daily, the APY is slightly higher than the interest rate. The APY assumes the principal and the interest remain on deposit for a full year at the same rate.
Variable rates on checking, savings and money market accounts may change at our discretion at any time, including after an account is opened. A change takes effect on the date we set it and we are not required to notify you in advance of an increase or a decrease. Fixed certificate rates do not change during the term.
Yes. Fees and monthly service charges assessed to the account can reduce the earnings on the account. The schedule of fees is published on the disclosures page and is provided at account opening.
Open a consumer deposit account at any office (see locations) or through Q2 Online if you already bank with us. Certificates and IRA certificates are opened in a branch. Bring a government issued photo identification and your Social Security number or taxpayer identification number.
Deposits are insured by the Federal Deposit Insurance Corporation up to the maximum amount allowed by law, currently $250,000 per depositor, for each ownership category, at this institution. Coverage across multiple accounts depends on how the accounts are titled. A banker can review your titling with you, and the FDIC publishes an insurance estimator at fdic.gov.
APY means annual percentage yield. All rates and yields on this page are accurate as of August 5, 2026 and are subject to change without notice, except that the rate on a certificate of deposit is fixed for the stated term. The APY assumes principal and interest remain on deposit for the full term or, for accounts with no stated term, for one year at the rate in effect. Withdrawing interest reduces earnings.
We use the daily balance method, which applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items such as checks. Interest compounds daily. Interest is credited monthly on checking, savings and money market accounts and quarterly on certificates. If you close an interest bearing account before interest is credited, accrued interest is paid at closing, except on a Holiday Club account closed before the October 1 disbursement date, where interest accrued for the current club year is forfeited as stated in the personal savings section of this page and in the account disclosures.
Fees could reduce the earnings on the account. Minimum balance requirements shown are the daily balance required to obtain the disclosed annual percentage yield, and are separate from any minimum balance required to avoid a monthly service charge. Both are stated in the account disclosures you receive at account opening and in the fee schedule on the disclosures page.
A penalty may be imposed for early withdrawal of principal from a certificate of deposit. The penalty may reduce principal. Certificates require a minimum opening deposit as stated in the table. Featured terms are limited time offers and require funds not on deposit with the bank within the prior 30 calendar days. We may withdraw a featured term or change the rate we offer on it at any time without notice. A change to a featured offer does not affect a certificate that is already funded, whose rate is fixed until maturity.
Accounts are available to residents of the states in which Calder Bank & Trust maintains offices and are subject to approval. Age based accounts require documentation of the account holder's date of birth. Public funds and fiduciary accounts may be subject to additional requirements. Rates on this page do not apply to accounts held through the trust department. For trust and fiduciary deposit pricing see trust services.
Interest of $10.00 or more paid during a calendar year is reported to the Internal Revenue Service on Form 1099-INT. Backup withholding applies if we do not have a certified taxpayer identification number on file for the account.
Calder Bank & Trust, N.A., 401 Market Street, Chattanooga, Tennessee 37402. A national banking association regulated by the Office of the Comptroller of the Currency and a subsidiary of Calder Financial Corporation. Member FDIC. Equal Housing Lender. NMLS ID 448193. Main telephone (423) 555-0142.
To confirm a rate before you open an account, call (423) 555-0142 during lobby hours, visit an office, or send a secure message through Q2 Online. Do not send account numbers by ordinary email. If you believe a rate on this page is stated incorrectly, tell us through contact and we will review the posting and correct it. The rate that applies to your account is the rate in our records on the day the account or certificate is funded. For account help see support.