Your Savings
Find the Right Fit for Your Savings, Compare MAX Money Market and our 11-Month CD
Find the Right Fit for Your Savings
The right savings option depends on what matters to you. Whether you prefer the certainty of a fixed CD rate or the flexibility of a MAX Money Market account, b1BANK offers options designed to support your savings goals.
KNOW WHAT YOU'LL GROW.
A Certificate of Deposit earns a guaranteed rate for a set term, giving you a predictable return on your savings.
A STRONG RATE WITH FLEXIBILITY
A MAX Money Market Account allows you to earn interest on your balance while maintaining accessibility to your funds.
Explore Your Savings Options
| Feature / Benefit | MAX Money Market | 11-Month CD Special |
| Current Rate | Earn up to 3.12% APY2 | Earn 4.00% APY1 |
| Primary Advantage | Flexibility & Growth | Maximum Guaranteed Return |
| APY Structure | Variable rate tied to account tiers | Fixed rate locked in for the full term |
| Liquidity & Access | Full access too funds via transfer or check writing | Fixed for 11 months (early withdrawal penalty applies) |
| Ideal For | Emergency funds, short-term goals, or ongoing liquidity | Capital growth with a set timeline and guaranteed payout |
| FDIC | Yes (up to allowable limits) | Yes (up to allowable limits) |
| Open a MAX Money Market | Lock In Your 11-Month CD |
MAX Money Market
Move to MAX and earn up to 3.12% APY2.
If you want high-yield potential without locking up your money, the MAX Money Market account gives you the best of both worlds. Earn competitive returns while maintaining full liquidity to access your cash when life demands it.
- Fluid Access: Access your balance easily through online and mobile banking.
- Tiered Interest: Grow your yield as your balance increases.
- Built-in Security: Rest easy with full FDIC insurance backed by b1BANK.
11-Month CD Special
Don’t settle for average. Earn 4.00% APY1.
When you have dedicated savings ready to work for you, lock in a locked-in return with our 11-Month CD Special. Protect your money from market fluctuation and enjoy guaranteed earnings over a fixed term.
- Rate Certainty: Lock in your high-yield rate today for predictable growth.
- Short-Term Commitment: Capitalize on higher interest without a long-term lockup.
- Guaranteed Payout: Enjoy guaranteed interest upon maturity.
1Annual Percentage Yield (APY) is eective as of 08/21/2026 and requires new money, funds not already on deposit at b1BANK. APY is available for a limited time and subject to change. CD requires $1000 minimum to open and a penalty may be imposed for early withdrawals.
2MAX Money Market requires a $100 minimum opening deposit. A $15 monthly service charge applies if the daily balance falls below $10,000 during the service charge cycle or the eligible combined relationship balance is less than $25,000 3 business days before the last service charge cycle date. MAX Money Market is a tiered interest rate account. The interest rate tiers for accounts with a b1BANK checking account with at least one customer initiated debit or credit transaction 3 business days before the end of the interest cycle period will receive the corresponding rates: $1,000,000 and above = 3.13%, 3.18% APY; $250,000 - $999,999.99 = 3.08%, 3.12% APY; $100,000 - $249,999.99 = 3.03%, 3.07% APY; $25,000 - $99,999.99 = 2.99%, 3.03% APY; $24,999.99 and below = 2.75%, 2.78% APY. The APYs are current as of 9/1/2026. Interest rates and Annual Percentage Yields are variable and subject to change at our discretion. Fees may reduce earnings. Approval required.
