Savings Rates
Savings Accounts
Rates effective as of August 1, 2022| Account Type | Dividend Rates | APY |
|---|---|---|
| Savings Account* | 0.25% | 0.25% |
| Club Account ** | 0.25% | 0.25% |
| College Club Account** | 0.35% | 0.35% |
| Health Savings Account | 0.55% | 0.55% |
| IRA*** | 0.55% | 0.55% |
| Money Market Account**** | 0.95% | 0.95% |
| 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. IRA eligible. |
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Money Market Plus Account
Rates effective as of August 1, 2022| Balance Tiers | Dividend Rates | APY |
|---|---|---|
| < $25,000 | 0.95% | 0.95% APY |
| $25,000- < $50,000 | 1.00% | 1.00% APY |
| $50,000 - < $75,000 | 1.05% | 1.06% APY |
| $75,000 - < $100,000 | 1.10% | 1.11% APY |
| $100,000+ | 1.15% | 1.16% 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. Fees could reduce earnings on any account. | ||
Share Certificates
Rates effective as of August 1, 2022| Term | Dividend rates | APY | Classic Account Dividend Rates | Classic Account APY |
|---|---|---|---|---|
| 3 Months | 1.10% | 1.11% APY | 1.20% | 1.21% APY |
| 6 Months | 1.15% | 1.16% APY | 1.25% | 1.26% APY |
| 9 Months | 1.20% | 1.21% APY | 1.30% | 1.31% APY |
| 12 Months | 1.25% | 1.26% APY | 1.35% | 1.36% APY |
| 18 Months | 1.30% | 1.31% APY | 1.40% | 1.41% APY |
| 24 Months | 1.40% | 1.41% APY | 1.50% | 1.51% APY |
| 30 Months | 1.45% | 1.46% APY | 1.55% | 1.56% APY |
| 36 Months | 1.60% | 1.61% APY | 1.70% | 1.71% APY |
| 48 Months | 1.70% | 1.71% APY | 1.80% | 1.81% APY |
| 60 Months | 1.80% | 1.81% APY | 1.90% | 1.91% 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. IRA eligible. | ||||
Bump Rate Certificates
Rates effective as of August 1, 2022| Term | Dividend rates | APY | Classic Account Dividend Rates | Classic Account APY |
|---|---|---|---|---|
| 24 Months | 1.30% | 1.31% APY | 1.40% | 1.41% APY |
| 36 Months | 1.50% | 1.51% APY | 1.60% | 1.61% APY |
| 48 Months | 1.60% | 1.61% APY | 1.70% | 1.71% APY |
| 60 Months | 1.70% | 1.71% APY | 1.80% | 1.81% 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. IRA eligible. | ||||
Liquid Certificates
Rates effective as of August 1, 2022| Term | Dividend Rates | APY | Classic Account Dividend Rates | Classic Account APY |
|---|---|---|---|---|
| 12 Months | 1.20% | 1.21% APY | 1.30% | 1.31% APY |
| 18 Months | 1.25% | 1.26% APY | 1.35% | 1.36% 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. | ||||
Save Up Certificates
Rates effective as of August 1, 2022| Term | Dividend Rates | APY | Classic Account Dividend Rates | Classic Account APY |
|---|---|---|---|---|
| 12 Months | 1.15% | 1.16% APY | 1.25% | 1.26% APY |
| 24 Months | 1.30% | 1.31% APY | 1.40% | 1.41% APY |
| APY = Annual Percentage Yield. Penalty applies for early withdrawal. Fees could reduce earnings on any account. $100 minimum to open. IRA eligible. |
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