Earn More Now, Earn More Later

Earn 4.85%*APY on a 6-month CD and 3.00%APY on balances up to $25,000** with Rewards Checking.

 
 

We've got two great ways to make the most of your money. Earn a wallet-stuffing 4.85% APY on our special 6-month CD. And the earnings don't stop there. When you open a Sonata Rewards Checking account, you'll make 3.00% APY on balances up to $25,000. Open your account today.

 

Open your account today

 

All reward, no risk

Earn a guaranteed 4.85% APY with our 6-month CD special. Whether you're saving for a car, a boat, or even a down payment on a house, CDs are a great way to reach your goals without the risk of losing earnings due to marketplace volatility.

Extend your earnings with Rewards Checking


Sonata Rewards Checking pays 3.00% APY on balances up to $25K. And our digital banking platform helps you create budgets, track progress towards financial goals, and add outside accounts for a complete picture of your finances.

Banking built around you


Our banking experience is designed to fit your busy lifestyle. With our customizable app, you can deposit checks, pay bills, and move money from anywhere safely and securely. 







*Must be new money to Sonata Bank. New money is defined as funds not currently on deposit at Sonata Bank. Annual Percentage Yield (APY) is accurate as of 9/16/2024 and applies to the initial term of a new 6-month CD Special. The minimum balance required to open a 6-month CD Special and receive the stated rate is $2,500. Offer is subject to change without notice. Alternative lengths of terms are not allowed. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal of principal, and any early withdrawal (principal or interest) will reduce earnings. Additional restrictions may apply. Ask your local banking center customer service representative for details. Rate specials are available to consumers in the following states: Kentucky and Tennessee

**Annual Percentage Yield (APY) is accurate as of 9/16/2024. Rates are subject to change before and after account opening. The minimum balance required to open the account is $100.00 The minimum daily balance required to obtain the advertised percentage yield is $0.01. If your daily balance is less than or equal to $25,000.99, the interest rate paid on the entire balance in your account will be 3.00%APY. Additional conditions describing the minimum balance to earn this rate is detailed below. Amounts greater than $25,001.00 will earn 0.10%APY. Interest is compounded and credited on a monthly basis. You will not receive the accrued interest if you close the account before interest is credited. All accounts are subject to applicable terms, fees, and charges. Terms, fees, and charges for accounts are subject to change. Fees could reduce the earnings on the account. Offer is subject to change without notice. Rate specials are available to consumers in the following states: Kentucky and Tennessee.

Additional Rate Information. To earn a higher interest rate on daily balances less than or equal to $25,000.99, you must meet the following criteria:
A minimum direct deposit of $100 for each statement cycle.
Enroll in online/mobile banking.
Activate a Sonata debit card.

If criteria are not maintained, then the interest rate reverts to the lower rate.