Savings Rates
Savings Accounts
Rates effective as of January 1, 2020| Account Type | Dividend Rates | APY |
|---|---|---|
| Savings Account* | 0.20% | 0.20% |
| Club Account ** | 0.20% | 0.20% |
| College Club Account** | 0.30% | 0.30% |
| Health Savings Account | 0.60% | 0.60% |
| IRA*** | 0.60% | 0.60% |
| Money Market Account**** | 0.75% | 0.75% |
| APY = Annual Percentage Yield. Rates subject to change without notice. Fees could reduce earnings on any account. * $5 minimum to open Savings Account. $100 minimum balance required to earn dividends. ** No minimum balance to open Club Account. $100 minimum balance required to earn dividends. College Club Account is for members ages 25 and under. *** $100 minimum balance to open and to earn dividends. $500 minimum balance on certificates. **** No minimum balance to open Money Market Account. $2,500 minimum balance required to earn dividends. |
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Money Market Plus Account
Rates effective as of January 1, 2020| Balance Tiers | Dividend Rates | APY |
|---|---|---|
| < $25,000 | 0.75% | 0.75% APY |
| $25,000- < $50,000 | 0.80% | 0.80% APY |
| $50,000 - < $75,000 | 0.85% | 0.85% APY |
| $75,000 - < $100,000 | 0.90% | 0.90% APY |
| $100,000+ | 0.95% | 0.95% APY |
| APY = Annual Percentage Yield. Rates subject to change without notice. $25,000 minimum balance to open. Transaction limits apply. $2,500 minimum average monthly balance to earn dividends. | ||
Certificates
Rates effective as of January 1, 2020| Term | Dividend rates | APY | Classic Account Dividend Rates | Classic Account APY |
|---|---|---|---|---|
| 3 Months | 0.90% | 0.90% APY | 1.00% | 1.00% APY |
| 6 Months | 0.95% | 0.95% APY | 1.05% | 1.06% APY |
| 9 Months | 1.05% | 1.06% APY | 1.15% | 1.16% APY |
| 12 Months | 1.15% | 1.16% APY | 1.25% | 1.26% APY |
| 18 Months | 1.25% | 1.26% APY | 1.35% | 1.36% APY |
| 24 Months | 1.35% | 1.36% APY | 1.45% | 1.46% APY |
| 30 Months | 1.45% | 1.46% APY | 1.55% | 1.56% APY |
| 36 Months | 1.75% | 1.76% APY | 1.85% | 1.87% APY |
| 48 Months | 1.95% | 1.97% APY | 2.05% | 2.07% APY |
| 60 Months | 2.15% | 2.17% APY | 2.25% | 2.27% APY |
| APY = Annual Percentage Yield. $500 minimum balance required to open. Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. | ||||
Bump Rate Certificates
Rates effective as of January 1, 2020| Term | Dividend rates | APY | Classic Account Dividend Rates | Classic Account APY |
|---|---|---|---|---|
| 24 Months | 1.25% | 1.26% APY | 1.35% | 1.36% APY |
| 36 Months | 1.65% | 1.66% APY | 1.75% | 1.76% APY |
| 48 Months | 1.85% | 1.87% APY | 1.95% | 1.97% APY |
| 60 Months | 2.05% | 2.07% APY | 2.15% | 2.17% APY |
| APY = Annual Percentage Yield. $500 minimum balance required to open. Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. | ||||
Liquid Certificates
Rates effective as of January 1, 2020| Term | Dividend Rates | APY | Classic Account Dividend Rates | Classic Account APY |
|---|---|---|---|---|
| 12 Months | 1.10% | 1.11% APY | 1.20% | 1.21% APY |
| 18 Months | 1.20% | 1.21% APY | 1.30% | 1.31% APY |
| APY = Annual Percentage Yield. Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. $5,000 minimum balance required to open Liquid Certificates. Includes one penalty-free withdrawal per quarter. |
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Save Up Certificates
Rates effective as of January 1, 2020| Term | Dividend Rates | APY | Classic Account Dividend Rates | Classic Account APY |
|---|---|---|---|---|
| 12 Months | 1.05% | 1.06% APY | 1.15% | 1.16% APY |
| 24 Months | 1.25% | 1.26% APY | 1.35% | 1.36% APY |
| APY = Annual Percentage Yield. Penalty applies for early withdrawal. Fees could reduce earnings on any account. $100 minimum to open. |
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