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Depositors Insurance Fund (DIF) insures all deposit amounts over FDIC limits.

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Account Login

Client Services

Deposit Rates

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Mo Premium Savings

Interest RateAnnual Percentage Yield**^Minimum Daily Balance to earn APY
3.75%3.82%$20,000 or greater
**^Annual Percentage Yield (APY) effective May 1, 2026 and subject to change. Rates may change after the account is opened. Interest is paid and compounded monthly. Fees could reduce the earnings on these accounts. Statement only. The minimum deposit to open the account must be new money to the Bank. New Money is defined as deposits not previously held by Mutual One Bank. Minimum opening deposit $20,000.00.

Advantage Checking

Interest RateAPY*Minimum Daily Balance to earn APY
0.20%0.20%$50,000 or greater
0.15%0.15%$25,000 - $49,999.99
0.15%0.15%$10,000 - $24,999.99
0.15%0.15%$5,000 - $9,999.99
0.10%0.10%$1,000 - $4,999.99
0.01%0.01%$10 - $999.99
*Annual Percentage Yield (APY) effective May 1, 2026 and subject to change. Rates may change after the account is opened. Interest is paid and compounded monthly. Fees could reduce the earnings on these accounts. Minimum Opening Deposit: $100

Mo Money Market

Interest RateAPY**Minimum Daily Balance to earn APY
0.30%0.30%$200,000 or greater
0.20%0.20%$100,000 - $199,999.99
0.20%0.20%$50,000 - $99,999.99
0.20%0.20%$10,000 - $49,999.99
0.10%0.10%$10 - $9,999.99
**Annual Percentage Yield (APY) effective May 1, 2026 and subject to change. Rates may change after the account is opened. Interest is paid and compounded monthly. Fees could reduce the earnings on these accounts. Minimum Opening Deposit: $500

Money Market Plus

Interest RateAPY***Minimum Daily Balance to earn APY
0.20%0.20%$10,000 or greater
0.15%0.15%$2,500 - $9,999.99
0.10%0.10%$10 - $2,499.99
***Annual Percentage Yield (APY) effective May 1, 2026 and subject to change. Rates may change after the account is opened. Interest is paid and compounded monthly. Fees could reduce the earnings on these accounts. Minimum Opening Deposit: $500

Online Savings

Interest RateAPY****Minimum Daily Balance to earn APY
0.25%0.37% - 0.40%$1,000,000.01 or greater
0.40%0.40%$100 - $1,000,000
0.40%0.40%$10 - $99.99
0.40%0.40%$0 - $9.99
****Annual Percentage Yield (APY) effective May 1, 2026 and subject to change. Rates may change after the account is opened. Interest is paid and compounded monthly. Fees could reduce the earnings on these accounts. Minimum Opening Deposit: $500. Balance in excess of $1,000,000 will earn a lower interest rate, for example, a balance of $1,250,000.00 will earn 0.37% - 0.40% APY. Online transactions only. Online Banking and eDocuments required within 30 days of account opening.

Statement Savings

Interest RateAnnual Percentage Yield**^^Minimum Daily Balance to earn APY
0.15%0.15%$10 or greater
**^^Annual Percentage Yield (APY) effective May 1, 2026 and subject to change. Rates may change after the account is opened. Interest is paid and compounded monthly. Fees could reduce the earnings on these accounts. Statement only. Minimum Opening Deposit: $10