Bank > Rates > Checking and Savings Rates
Checking and Savings Rates
All Interest Rates and Annual Percentage Yields are Current as of:
October 9, 2008
Deposit Rate Sheet (PDF)
Apply online for a checking or savings account.
(Online applications to our IRA products currently not available...but are coming soon!)
Thrivent Rewards Checking Account
The interest rate and annual percentage yield (APY) are variable and subject to change after the account is opened. Fees could reduce earnings.
| Minimum Balance to Obtain APY |
Interest Rate |
APY |
| No minimum balance requirement |
1.00% |
1.01% |
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Preferred Checking Account
The interest rate and annual percentage yield (APY) are variable and subject
to change after the account is opened. Fees could reduce earnings.
| Minimum Balance to Obtain APY |
Interest Rate |
APY |
| $50 and up |
0.20% |
0.20% |
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Preferred Plus Checking Account
The interest rate and annual percentage yield (APY) are variable and subject
to change after the account is opened. Fees could reduce earnings.
| Minimum Balance to Obtain APY |
Interest Rate |
APY |
| $50 and up |
0.35% |
0.35% |
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Totally E-Checking Account
The interest rate and annual percentage yield (APY) are variable and subject
to change after the account is opened. You must deposit $50 to open this account.
A minimum daily balance of $1,000 is required to earn the disclosed annual percentage yield.
| Minimum Balance to Obtain APY |
Interest Rate |
APY |
| $1,000 and up |
0.35% |
0.35% |
| Introductory rate for 90 days * |
1.98% |
2.00% |
*An introductory rate of 1.98% (2.00% Annual Percentage Yield) on your new Totally E-Checking account applies to account balances over $1,000. This introductory offer will expire 3-monthly cycles after account opening. At the end of the third cycle, your rate will revert to the current rate in effect for the Totally E-Checking product.
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Preferred Savings Account
The interest rate and annual percentage yield (APY) are variable and subject
to change after the account is opened. Fees could reduce earnings.
| Minimum Balance to Obtain APY |
Interest Rate |
APY |
| $50 and up |
0.25% |
0.25% |
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Goal Savings Account
The interest rate and annual percentage yield (APY) are variable and subject to change after the account is opened. A minimum balance of $25 and at least $10 monthly auto deposit are required to open the account. Fees could reduce earnings.
| Minimum Balance to Obtain APY |
Interest Rate |
APY |
| $25 - $499.99 |
0.25% |
0.25% |
| $500 - $999.99 |
0.30% |
0.30% |
| $1,000 - $2,499.99 |
0.35% |
0.35% |
| $2,500 - $4,999.99 |
0.50% |
0.50% |
| $5,000 and up |
1.00% |
1.01% |
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Relationship Rewards Money Market Account
The interest rate and annual percentage yield (APY) are variable and subject
to change after the account is opened. Fees could reduce earnings.
| Minimum Balance to Obtain APY |
Interest Rate |
APY |
| $2,500.00 - $9,999.99 |
0.25% |
0.25% |
| $10,000.00 and up |
2.18% |
2.20% |
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Premier Money Market Account / Business Premier Money Market Account
The interest rate and annual percentage yield (APY) are variable and subject
to change after the account is opened. Fees could reduce earnings.
| Minimum Deposit to Open the Account |
Interest Rate |
APY |
| $100,000.00 |
2.18% |
2.20% |
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Preferred Plus Money Market Account / Business Money Market Account
The interest rate and annual percentage yield (APY) are variable and subject
to change after the account is opened. Fees could reduce earnings.
| Minimum Balance to Obtain APY |
Interest Rate |
APY |
| $2,500.00 - $4,999.99 |
0.20% |
0.20% |
| $5,000.00 - $9,999.99 |
0.35% |
0.35% |
| $10,000.00 - $24,999.99 |
0.55% |
0.55% |
| $25,000.00 - $49,999.99 |
1.04% |
1.05% |
| $50,000.00 - $99,999.99 |
1.29% |
1.30% |
| $100,000.00 and up |
1.98% |
2.00% |
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IRA Savings Account
The interest rate and annual percentage yield (APY) are variable and subject
to change after the account is opened. Fees could reduce earnings.
| Minimum Balance to Obtain APY |
Interest Rate |
APY |
| $25 - $9,999.99 |
0.20% |
0.20% |
| $10,000.00 - $24,999.99 |
0.55% |
0.55% |
| $25,000.00 - $99,999.99 |
1.69% |
1.70% |
| $100,000.00 and up |
2.18% |
2.20% |
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Health Savings Account
The interest rate and annual percentage yield (APY) are subject to change after the account is opened. A minimum balance of $50 is required to open the account. Fees could reduce earnings.
| Minimum Balance to Obtain APY |
APY |
| $0 - $999.99 |
1.01% |
| $1,000 - $4,999.99 |
1.75% |
| $5,000 - $14,999.99 |
2.50% |
| $15,000 and up |
3.25% |
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Certificates of Deposit
Interest will be paid at the disclosed annual percentage yield (APY) until
the first maturity date of the certificate. A minimum balance of $1,000 is required to earn the disclosed annual
percentage yield. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.
Apply online.
Certificates of Deposit
| Term |
Interest Rate
|
APY |
| 3 Month |
2.18% |
2.20% |
| 6 Month |
2.52% |
2.55% |
| 9 Month |
2.52% |
2.55% |
| 12 Month |
2.76% |
2.80% |
14 Month SPECIAL RATE
with a minimum $5,000.00 deposit |
3.45% |
3.51% |
| 18 Month |
3.06% |
3.10% |
| 24 Month |
3.15% |
3.20% |
| 30 Month |
3.25% |
3.30% |
| 36 Month |
3.59% |
3.65% |
| 48 Month |
3.88% |
3.95% |
| 60 Month |
4.07% |
4.15% |
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Flex Certificate of Deposit
Interest will be paid at the disclosed annual percentage yield (APY) until the maturity date of the certificate, unless the rate bump-up option is exercised. Flex CDs are not renewable. A minimum deposit of $5,000 is required to open the account and earn the disclosed APY. The maximum balance you can maintain in a Flex CD is $200,000. If the withdrawal option is exercised, a balance of $5,000 must be kept in the CD. A penalty may be assessed for early withdrawals other than the withdrawal permitted by the terms of the account contract. Fees could reduce earnings.
| Term |
Interest Rate |
APY |
| 12 Month |
2.66% |
2.69% |
| 18 Month |
2.96% |
3.00% |
| 24 Month SPECIAL RATE |
3.74% |
3.80% |
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IRA and Roth IRA Certificates of Deposit
Interest will be paid at the disclosed annual percentage yield (APY) until the first maturity date of the certificate. A minimum balance of $1,000 is required to earn the disclosed annual percentage yield. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.
IRA and Roth IRA Certificates of Deposit
| Term |
Interest Rate |
APY |
| 6 Month |
2.62% |
2.65% |
| 12 Month |
2.86% |
2.90% |
14 Month SPECIAL RATE
with a minimum $5,000.00 deposit |
3.55% |
3.61% |
| 18 Month |
3.16% |
3.21% |
| 24 Month |
3.25% |
3.30% |
| 30 Month |
3.35% |
3.40% |
| 36 Month |
3.69% |
3.75% |
| 48 Month |
3.98% |
4.05% |
| 60 Month |
4.17% |
4.25% |
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Fee Schedule
The schedule below discloses the fees that may be assessed against any of the deposit accounts you maintain at Thrivent Financial Bank. This fee schedule has been incorporated in your account agreement with Thrivent Financial Bank. Different fees may be assessed against Health Savings Accounts (HSAs). Please refer to Product Features.
| Account Balancing Assistance |
$15 per half hour; half hour minimum |
| Account Closing Fee |
$20 if closed within 90 days of opening |
| Cashiers Checks |
$5 |
| Check Copy |
$5 |
| Check Printing |
Subject to vendor prices (free with certain checking accounts) |
| Coin Counting |
$3 for amounts less than $500; $5 for amounts more than $500 |
| Fax |
$1 per page, $5 minimum |
| Garnishment, Levy, Wage Adjustment |
$75 |
| Inactive Fee |
$5 per month after 12 months and balance less than $200. Fee does not apply to IRAs or CDs. |
| Insufficient Funds |
$29 |
| Online Bill Payment |
Free unlimited bill pay for Thrivent Rewards, Totally E and Preferred Plus checking accounts. For Simply Free and Preferred checking accounts, the first 10 bills paid each month are free and subsequent bills are $0.50. |
| Overdraft |
$29 |
| Overdraft Protection From Savings and Money Market Accounts |
$7 |
| Money Orders |
$4 |
| Photocopying |
$0.25 per page |
| Statement Copy |
$5 |
| Stop Payment |
$25 |
| Travelers Checks |
$1.50 per 100 |
| Undeliverable Statement |
$5 |
| Unpaid Deposit Return |
$5 |
| Wire Outgoing |
$20 |
| Wire Outgoing Foreign |
$50 |
Withdrawals from automated teller machines (ATMs) that we do not own or operate may be subject to fees of the ATM owner.
Thrivent Rewards Checking
Minimum balance to open – There is no minimum deposit requirement for a Thrivent Rewards Checking account.
Direct deposit – To open and maintain a Thrivent Rewards Checking Account, you must establish direct deposit into this account. If direct deposit is terminated, your Thrivent rewards Checking Account may be transferred to a Simply Free Checking Account. You may only maintain three (3) Thrivent Rewards Checking Accounts at one time.
Monthly service fee – There is no monthly service fee associated with this account.
Fees and charges – 10 ATM transactions per statement cycle are reimbursed for this account. If more than 10 ATM transactions occur in a statement cycle, an ATM withdrawal fee of $1, plus any terminal owner fee will be assessed for each non-proprietary ATM withdrawal. Please note that non-proprietary ATM terminal owner fees can only be reimbursed by Thrivent Financial Bank when such fees are charged and disclosed separately from the amount of withdrawal.
Rate Information – At our discretion, we may change the interest rate and annual percentage yield on your account at any time.
Compounding and Crediting Frequency – Interest will be compounded daily and credited monthly.
Effect of Closing Account – If you close your account before interest is credited; you will not receive the accrued interest.
Daily Balance – The daily balance method is used to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Interest Accrual – Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items.
Totally E-Checking Account
Minimum Balance to Open You must deposit $50 to open this account. Minimum Balance to Avoid Imposition of Fees A monthly service fee of $5 will be imposed every statement cycle if you do not
maintain direct deposit.
Fees and Charges An ATM withdrawal fee
of $1, plus any terminal owner fee, will be assessed
for each non-proprietary ATM withdrawal after
the first six (6) per statement cycle. Free unlimited
ATM withdrawals may be conducted at any Thrivent
Financial Bank terminal. Each transaction that can be
conducted online (included, but not limited to, balance
inquiries, funds transfers, stop payments, check reorders,
check copy and statement copy requests) will be charged
a $3 transaction fee if the transaction is conducted at
a branch office location or via the telephone.
Simply Free Checking Account
Minimum Balance to Open You must deposit $50 to open this account.
Minimum Balance to Avoid Imposition of Fees A monthly service fee of $5 will be imposed every statement cycle if you do not maintain direct deposit or if the balance in the account falls below $100 any day of the month.
Fees and Charges An ATM withdrawal fee of
$1 plus any terminal owner fee will be assessed
for each non-proprietary ATM withdrawal after
the first 4 per statement cycle. Unlimited ATM
transactions are allowed at Thrivent Financial
Bank terminals.
Preferred Checking Account
Rate Information At our discretion, we may
change the interest rate and annual percentage
yield on your account at any time.
Compounding and Crediting Frequency
Interest will be compounded daily and credited
monthly.
Effect of Closing Account If you close your
account before interest is credited, you will not
receive the accrued interest.
Minimum Balance to Open You must
deposit $50 to open this account.
Minimum Balance to Avoid Fees A
monthly service fee of $5 will be imposed every
statement cycle if the aggregate minimum daily
balance in all personal deposit products falls
below $1,500. The aggregate daily balance in all
your personal deposit accounts is calculated by
determining the daily balance in each account
and then adding these balances together.
Minimum Balance to Obtain APY You
must maintain a minimum daily balance of $50
in the account each day to obtain the disclosed
annual percentage yield.
Daily Balance The daily balance method is
used to calculate interest on your account. This
method applies a daily periodic rate to the
principal in the account each day.
Interest Accrual Interest begins to accrue no
later than the business day we receive credit for
the deposit of non-cash items.
Fees and Charges An ATM withdrawal fee of
$1 plus any terminal owner fee will be assessed
for each non-proprietary ATM withdrawal after
the first 6 per statement cycle. Unlimited ATM
transactions are allowed at Thrivent Financial
Bank terminals.
Preferred Plus Checking Account
Rate Information At our discretion, we may
change the interest rate and annual percentage
yield on your account at any time.
Compounding and Crediting Frequency
Interest will be compounded daily and credited
monthly.
Effect of Closing Account If you close your
account before interest is credited, you will not
receive the accrued interest.
Minimum Balance to Open You must
deposit $50 to open this account.
Minimum Balance to Avoid Fees A
monthly service fee of $10 will be imposed every
statement cycle if the aggregate minimum daily
balance in all personal deposit products falls
below $10,000. The aggregate daily balance in all
your personal deposit accounts is calculated by
determining the daily balance in each account
and then adding these balances together.
Minimum Balance to Obtain APY You
must maintain a minimum daily balance of $50
in the account each day to obtain the disclosed
annual percentage yield.
Daily Balance The daily balance method is
used to calculate interest on your account. This
method applies a daily periodic rate to the
principal in the account each day.
Interest Accrual Interest begins to accrue no
later than the business day we receive credit for
the deposit of non-cash items.
Fees and Charges Unlimited ATM
transactions are allowed at Thrivent Financial
Bank terminals and non-proprietary ATMs.
Subject to non-proprietary ATM owner fees.
Preferred Plus Money Market Account
Transfers from a Preferred Plus Money Market account to another account
or to third parties by preauthorized, automatic, internet
banking, or telephone banking transfer are limited to six
per statement cycle, with no more than three by check or similar
order to third parties. An excessive transaction fee of $10
will be imposed against any transaction(s) in excess of these
limitations.
Preferred Savings
Transfers from this account to another account or to third
parties by preauthorized, automatic, internet banking, or
telephone banking transfer are limited to six per month with
no transfers by check, draft, or similar order to third parties.
An excessive transaction fee of $10 will be imposed against
any transaction(s) in excess of these limitations.
Goal Savings Account
A withdrawal fee of $10 will be imposed for each withdrawal in excess of
one per month. Additionally, any transfer or withdrawal from a Goal Savings
Account in excess of 6 per month will be charged a $10 excessive transaction fee.
Miscellaneous
Withdrawals from automated teller machines (ATMs) that we do not own or
operate may be subject to fees of the ATM owner.
For purposes of this fee schedule, an inactive account is defined as an
account in which no deposit or withdrawal has been initiated
by the account-holder.
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