Today's Deposit Interest Rates
Annual Percentage Yield is Effective as of the Publication Date of March 06, 2026. Rates are Subject to Change
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Put your extra cash or tax refund to work
Two smart options designed to help your cash earn real returns.
1) 3.89% Annual Percentage Yield (APY) 9-Month CD4
2) Lock in a 3.29% APY Money Market Rate for 6-Months5
Whether you're looking to grow your wealth with the security of a fixed rate or need the flexibility to access your money, choose an option to best fit your financial goals.
Certificate of Deposit (CD) Specials
Earn more and save more with a special CD rate. Choose a CD to best fit your financial goals and contact your relationship banker to open an account.
|
|
Initial Minimum Deposit |
Annual Percentage Yield |
Interest Percentage Rate |
Interest Payment Frequency |
Compounding Method |
|---|---|---|---|---|---|
|
$5,000 | 3.61% | 3.59% | At Maturity | Simple |
|
$100,000 | 3.61% | 3.59% | At Maturity | Simple |
|
$250,000 | 3.61% | 3.59% | At Maturity | Simple |
|
$500,000 | 3.61% | 3.59% | At Maturity | Simple |
|
$1,000,000 | 3.61% | 3.59% | At Maturity | Simple |
|
$2,000,000 | 3.61% | 3.59% | At Maturity | Simple |
|
$5,000 | 3.10% | 3.10% | Annual | Simple |
|
$100,000 | 3.20% | 3.20% | Annual | Simple |
|
$250,000 | 3.20% | 3.20% | Annual | Simple |
|
$500,000 | 3.20% | 3.20% | Annual | Simple |
|
$1,000,000 | 3.25% | 3.25% | Annual | Simple |
|
$2,000,000 | 3.25% | 3.25% | Annual | Simple |
|
$5,000 | 3.00% | 2.99% | Annual | Simple |
|
$100,000 | 3.00% | 2.99% | Annual | Simple |
|
$250,000 | 3.00% | 2.99% | Annual | Simple |
|
$500,000 | 3.00% | 2.99% | Annual | Simple |
|
$1,000,000 | 3.00% | 2.99% | Annual | Simple |
|
$2,000,000 | 3.00% | 2.99% | Annual | Simple |
|
$10,000 | 2.94% | 2.94% | Annual | Simple |
|
$100,000 | 2.94% | 2.94% | Annual | Simple |
|
$250,000 | 2.94% | 2.94% | Annual | Simple |
|
$500,000 | 2.94% | 2.94% | Annual | Simple |
|
$1,000,000 | 2.94% | 2.94% | Annual | Simple |
|
$2,000,000 | 2.94% | 2.94% | Annual | Simple |
|
|
|---|---|
| Minimum Deposit | $5,000 |
| Annual Percentage Yield | 3.61% |
| Interest Percentage Rate | 3.59% |
| Interest Payment Frequency | At Maturity |
| Compounding Method | Simple |
Individual Retirement Account (IRA) Specials
Save more for retirement with a special IRA rate. Choose an IRA and term that’s right for you. Contact your relationship banker to open an account.
|
|
Initial Minimum Deposit |
Annual Percentage Yield |
Interest Percentage Rate |
Interest Payment Frequency |
Compounding Method |
|---|---|---|---|---|---|
|
$300 | 3.61% | 3.59% | At Maturity | Simple |
|
$100,000 | 3.61% | 3.59% | At Maturity | Simple |
|
$250,000 | 3.61% | 3.59% | At Maturity | Simple |
|
$500,000 | 3.61% | 3.59% | At Maturity | Simple |
|
$1,000,000 | 3.61% | 3.59% | At Maturity | Simple |
|
$2,000,000 | 3.61% | 3.59% | At Maturity | Simple |
|
$300 | 3.10% | 3.10% | Annual | Simple |
|
$100,000 | 3.20% | 3.20% | Annual | Simple |
|
$250,000 | 3.20% | 3.20% | Annual | Simple |
|
$500,000 | 3.20% | 3.20% | Annual | Simple |
|
$1,000,000 | 3.25% | 3.25% | Annual | Simple |
|
$2,000,000 | 3.25% | 3.25% | Annual | Simple |
|
$300 | 3.00% | 2.99% | Annual | Simple |
|
$100,000 | 3.00% | 2.99% | Annual | Simple |
|
$250,000 | 3.00% | 2.99% | Annual | Simple |
|
$500,000 | 3.00% | 2.99% | Annual | Simple |
|
$1,000,000 | 3.00% | 2.99% | Annual | Simple |
|
$2,000,000 | 3.00% | 2.99% | Annual | Simple |
|
$300 | 2.94% | 2.94% | Annual | Simple |
|
$100,000 | 2.94% | 2.94% | Annual | Simple |
|
$250,000 | 2.94% | 2.94% | Annual | Simple |
|
$500,000 | 2.94% | 2.94% | Annual | Simple |
|
$1,000,000 | 2.94% | 2.94% | Annual | Simple |
|
$2,000,000 | 2.94% | 2.94% | Annual | Simple |
|
|
|---|---|
| Minimum Deposit | $300 |
| Annual Percentage Yield | 3.61% |
| Interest Percentage Rate | 3.59% |
| Interest Payment Frequency | At Maturity |
| Compounding Method | Simple |
Checking Accounts
Whether you prefer online and mobile banking, unlimited debit card transactions or earning interest on your account, we have you covered.See for yourself and open a Digital Checking or Signature Checking account online.
|
|
Initial Minimum Deposit |
Annual Percentage Yield |
Interest Percentage Rate |
Interest Payment Frequency |
Compounding Method |
|---|---|---|---|---|---|
|
$25 | - | - | - | - |
|
$200 | 0.01% | 0.01% | Monthly | Simple |
|
$200 | 0.02% | 0.02% | Monthly | Simple |
|
$200 | 0.05% | 0.05% | Monthly | Simple |
|
$200 | 0.10% | 0.10% | Monthly | Simple |
|
$200 | 0.15% | 0.15% | Monthly | Simple |
|
$200 | 0.15% | 0.15% | Monthly | Simple |
|
$100 | 0.01% | 0.01% | Monthly | Simple |
|
$100 | 0.15% | 0.15% | Monthly | Simple |
|
$100 | 0.20% | 0.20% | Monthly | Simple |
|
$100 | 0.25% | 0.25% | Monthly | Simple |
|
$100 | 0.45% | 0.45% | Monthly | Simple |
|
|
|---|---|
| Minimum Deposit | $25 |
| Annual Percentage Yield | - |
| Interest Percentage Rate | - |
| Interest Payment Frequency | - |
| Compounding Method | - |
Savings Accounts
Whether you’re just starting to save or building an emergency fund, we have a savings account to fit your needs. See for yourself and open an Essential Savings account online.
|
|
Initial Minimum Deposit |
Annual Percentage Yield |
Interest Percentage Rate |
Interest Payment Frequency |
Compounding Method |
|---|---|---|---|---|---|
|
$100 | 0.15% | 0.15% | Monthly | Simple |
|
$100 | 0.15% | 0.15% | Monthly | Simple |
|
|
|---|---|
| Minimum Deposit | $100 |
| Annual Percentage Yield | 0.15% |
| Interest Percentage Rate | 0.15% |
| Interest Payment Frequency | Monthly |
| Compounding Method | Simple |
Money Market Accounts
Receive higher interest rates when you use a Money Market account to save for one of life’s biggest moments. Or, tie your Relationship Money Market to qualifying accounts and be rewarded for your Johnson Financial Group relationship. See for yourself and open a Signature Money Market account online.
|
|
Initial Minimum Deposit |
Annual Percentage Yield |
Interest Percentage Rate |
Interest Payment Frequency |
Compounding Method |
|---|---|---|---|---|---|
|
$1,000 | 0.01% | 0.01% | Monthly | Simple |
|
$1,000 | 0.16% | 0.16% | Monthly | Simple |
|
$1,000 | 0.20% | 0.20% | Monthly | Simple |
|
$1,000 | 0.40% | 0.40% | Monthly | Simple |
|
$1,000 | 0.75% | 0.75% | Monthly | Simple |
|
$1,000 | 0.85% | 0.85% | Monthly | Simple |
|
$25,000 | 0.03% | 0.03% | Monthly | Simple |
|
$25,000 | 0.40% | 0.40% | Monthly | Simple |
|
$25,000 | 0.95% | 0.95% | Monthly | Simple |
|
$25,000 | 1.26% | 1.25% | Monthly | Simple |
|
$25,000 | 1.41% | 1.40% | Monthly | Simple |
|
$25,000 | 1.46% | 1.45% | Monthly | Simple |
|
|
|---|---|
| Minimum Deposit | $1,000 |
| Annual Percentage Yield | 0.01% |
| Interest Percentage Rate | 0.01% |
| Interest Payment Frequency | Monthly |
| Compounding Method | Simple |
Certificate of Deposits (CDs)
Growing your money is easier with a fixed-rate CD. Choose a CD to best fit your financial goals and contact your relationship banker to open an account.
|
|
Initial Minimum Deposit |
Annual Percentage Yield |
Interest Percentage Rate |
Interest Payment Frequency |
Compounding Method |
|---|---|---|---|---|---|
|
$2,000 | 1.56% | 1.55% | At Maturity | Simple |
|
$2,000 | 3.32% | 3.29% | At Maturity | Simple |
|
$100,000 | 3.32% | 3.29% | At Maturity | Simple |
|
$250,000 | 3.32% | 3.29% | At Maturity | Simple |
|
$500,000 | 3.32% | 3.29% | At Maturity | Simple |
|
$1,000,000 | 3.32% | 3.29% | At Maturity | Simple |
|
$2,000,000 | 3.32% | 3.29% | At Maturity | Simple |
|
$2,000 | 2.80% | 2.80% | Annual | Simple |
|
$2,000 | 2.75% | 2.75% | Annual | Simple |
|
$2,000 | 2.75% | 2.75% | Annual | Simple |
|
$2,000 | 2.75% | 2.75% | Annual | Simple |
|
$2,000 | 2.80% | 2.80% | Annual | Simple |
|
|
|---|---|
| Minimum Deposit | $2,000 |
| Annual Percentage Yield | 1.56% |
| Interest Percentage Rate | 1.55% |
| Interest Payment Frequency | At Maturity |
| Compounding Method | Simple |
Individual Retirement Accounts (IRAs)
The advantages of an IRA can help you prepare for retirement. Find the IRA that’s right for you and contact your relationship banker to open an account.
|
|
Initial Minimum Deposit |
Annual Percentage Yield |
Interest Percentage Rate |
Interest Payment Frequency |
Compounding Method |
|---|---|---|---|---|---|
|
$300 | 3.32% | 3.29% | At Maturity | Simple |
|
$100,000 | 3.32% | 3.29% | At Maturity | Simple |
|
$250,000 | 3.32% | 3.29% | At Maturity | Simple |
|
$500,000 | 3.32% | 3.29% | At Maturity | Simple |
|
$1,000,000 | 3.32% | 3.29% | At Maturity | Simple |
|
$2,000,000 | 3.32% | 3.29% | At Maturity | Simple |
|
$300 | 2.80% | 2.80% | Annual | Simple |
|
$300 | 2.75% | 2.75% | Annual | Simple |
|
$300 | 2.75% | 2.75% | Annual | Simple |
|
$300 | 2.75% | 2.75% | Annual | Simple |
|
$300 | 2.80% | 2.80% | Annual | Simple |
|
|
|---|---|
| Minimum Deposit | $300 |
| Annual Percentage Yield | 3.32% |
| Interest Percentage Rate | 3.29% |
| Interest Payment Frequency | At Maturity |
| Compounding Method | Simple |
Products offered by Johnson Bank, Member FDIC, a Johnson Financial Group Company.
1This account pays a variable rate of interest. Your interest rate and APY may change after the account is opened. Fees could reduce the earnings on the account.
2ELIGIBILITY – To qualify for the Relationship Money Market Account (MMDA), account owners must maintain two (2) additional products with Johnson Financial Group: One product must be a consumer checking (demand deposit) account (including accounts held in the capacity of a qualifying Trust); or a qualifying Johnson Bank Small Business Solutions Checking Account: 1) Where an account owner is the sole proprietor/owner (d/b/a), or 2) A Corporate, Limited Liability Corporation, or Limited Liability Partnership account for a business in which the account owner(s) is/are the majority owner(s), or 3) An account for a business owned by a revocable trust for which an account owner is the grantor and trustee, or 4) Partnership account in which the account owner(s) is/are the majority general partner(s), or 5) A Family Limited Partnership where the account owners, together, are the majority partner(s). The other product must be a consumer product held by the account owner(s) and include a consumer loan, consumer mortgage loan, credit card (offered through Élan Financial Services), LPL Financial (brokerage) account, or Wealth account. Products may not be used with more than one Relationship Money Market. If the eligibility requirements are not maintained, the account will be automatically transferred (converted) to a Signature Money Market Account.
3Minimum balance is required to obtain the stated APYs. A penalty may be imposed for early withdrawal.
4 Important information to obtain 3.89% Annual Percentage Yield | SPECIAL RATE DISCLOSURE applies to 9-MONTH Certificate of Deposit
9-Month Certificate of Deposit:1
A 9-month Certificate of Deposit with a 3.89% APY is available from February 9, 2026, to April 18, 2026, when you deposit new money not currently held by you at Johnson Bank or its affiliates or renew an existing 9-month CD held at Johnson Bank with a current interest rate of 4.17% or 4.27%. A minimum opening balance of $5,000 is required. The maximum deposit amount is $2,000,000. Interest rate 3.87%. There is no limit on the number of CDs that may be opened per household. This APY offer includes IRA Certificates of Deposit and Small Business Certificates of Deposit; however, it is not available for our standard business accounts, business products, brokers, agents, public entities, or financial institutions. A penalty may be imposed for early withdrawal.
1) This offer is subject to change.
5 Deposit Rate Special Disclosure
The Deposit Rate Special is not available for Business or Municipal accounts, and individuals are ineligible if they have closed an account within the past 90 days or previously closed an account with a negative balance within the last three years; there is no limit per household. This offer is available to individuals renewing a 9 month CD at the rate of 4.17% or 4.27%, or to those bringing in at least $5,000 in new money, defined as funds not currently held by Johnson Bank. To qualify, individuals must deposit the required minimum amount of $5,000 in new money and open one of the following Money Market accounts, each with its own separate minimum opening deposit: Signature Money Market ($1,000), Relationship Money Market ($25,000), or Private Banking Money Market ($100,000). The minimum amount of $5,000 in new money counts towards the deposits but does not replace the account specific minimum opening deposit requirements. Interest is calculated using the Daily Balance Method and the account must remain open and in good standing for the entire promotional term, during which the fixed bonus rate applies to the full balance. If required deposits are not maintained, or after the promotional term ends, the account may revert to the standard tiered variable rate as listed on the current rate sheet, which is subject to change without notice. This offer cannot be combined with other promotions, and interest earned will be reported on IRS Form 1099 INT or 1099 MISC.