Current Rates
Rate Information
Rates effective as of January 7, 2026.
- CDs: $1,000 minimum opening deposit. Early withdrawal penalties apply.
- Money Market: $1,000 minimum opening deposit.
- Savings: $25 minimum opening deposit.
- Rates subject to change. Fees may reduce earnings.
*APY = Annual Percentage Yield.
| Type | Interest Rate | APY* |
|---|---|---|
| Savings | 0.75% | 0.75% |
| Money Market | 1.15% | 1.16% |
| 30 day CD | 2.52% | 2.55% |
| 90 day CD | 2.52% | 2.54% |
| 180 day CD | 3.03% | 3.05% |
| 1 year CD | 2.77% | 2.80% |
Commonly asked questions
Learn more about BOC Interest Rates.
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This date reflects when the listed Annual Percentage Yields (APYs) were last updated. Rates are subject to change at any time without notice unless otherwise stated for fixed-term products.
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Rates on savings and money market accounts may change at the bank’s discretion based on market conditions. Certificate of Deposit (CD) rates are fixed for the full term once opened.
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APY stands for Annual Percentage Yield. It reflects the total amount of interest earned on an account over one year, including the effect of compounding.
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Interest is calculated based on the account balance and the applicable APY. Compounding and crediting schedules vary by account type. Please contact us for full details.