Spruce Money Market

The Spruce Money Market with up to 0.30% APY*!

The Sitka Spruce is a majestic Pacific Northwest treasure, growing up to 330 feet in its lifetime. The cool thing about the Spruce, and really all trees, is that you can always tell how old it is by how many bands it has in the tree's cross-section. And, interestingly, a tree never stops growing. Earn up to 0.30%APY*, and watch your savings grow with the Spruce Money Market. Open with a minimum deposit of $10,000. 

Open in a Branch              Open by phone: 800-800-1577


Spruce Money Market Rates

Account Type Interest Rate APY* Method of Compounding Minimum Deposit to Earn APY
$0-$9,999.99 0.01% 0.01% Daily $1
$10,000-$99,999.99 0.10% 0.10% Daily $10,000.00
$100,000.00 - $249,999.99 0.15% 0.15% Daily $100,000.00
$250,000.00 - $499,999.00 0.20% 0.20% Daily $250,000.00
$500,000.00 or more 0.30% 0.30% Daily $500,000.00

Interest Rates Effective: 05/24/2024

Revised: 05/23/2024

*Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. Early closing fee of $15 if account is closed within 90 days of opening.


Considering Other Accounts?

Individual Retirement Accounts

An IRA CD offers the security of a traditional Certificate of Deposit with the tax advantages of an Individual Retirement Account (IRA).

Checking Accounts

An account that fits you! Review the features and benefits available with our checking accounts.

Build Your Credit

Establish or rebuild your credit with a Credit Builder Loan.

Home Equity

Home equity loans or lines of credit deliver more flexibility and lower-interest rates than most unsecured personal loans.