Savings Rates

Savings Rates

Savings Accounts

Rates effective as of [fl_year format="F"] 1, [fl_year]
Account TypeDividend Rates APY
Savings Account* 0.15% 0.15%
Club Account **0.15% 0.15%
College Club Account** 0.25% 0.25%
Health Savings Account0.35%0.35%
IRA***0.35% 0.35%
Money Market Account**** 0.25% 0.25%
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.

 

Money Market Plus Account

Rates effective as of [fl_year format="F"] 1, [fl_year]
Balance Tiers Dividend Rates APY
< $25,0000.25% 0.25% APY
$25,000- < $50,0000.30% 0.30% APY
$50,000 - < $75,0000.35% 0.35% APY
$75,000 - < $100,0000.40% 0.40% APY
$100,000+0.45% 0.45% 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.

 

Share and IRA Certificates

Rates effective as of [fl_year format="F"] 1, [fl_year]
TermDividend ratesAPY Classic Account Dividend Rates Classic Account APY
3 Months0.30% 0.30% APY0.40% 0.40% APY
6 Months0.35% 0.35% APY0.45% 0.45% APY
9 Months0.40% 0.40% APY0.50% 0.50% APY
12 Months0.45% 0.45% APY0.55% 0.55% APY
18 Months0.50% 0.50% APY0.60% 0.60% APY
24 Months0.60% 0.60% APY0.70%0.70% APY
30 Months0.65% 0.65% APY0.75% 0.75% APY
36 Months0.70% 0.70% APY0.80% 0.80% APY
48 Months0.80% 0.80% APY0.90% 0.90% APY
60 Months0.90% 0.90% APY1.00% 1.00% 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 [fl_year format="F"] 1, [fl_year]
TermDividend ratesAPY Classic Account Dividend Rates Classic Account APY
24 Months0.50% 0.50% APY 0.60%0.60% APY
36 Months0.60% 0.60% APY0.70% 0.70% APY
48 Months0.70% 0.70% APY0.80% 0.80% APY
60 Months0.80% 0.80% APY0.90% 0.90% 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 [fl_year format="F"] 1, [fl_year]
TermDividend Rates APY Classic Account Dividend RatesClassic Account APY
12 Months 0.40% 0.40% APY0.50% 0.50% APY
18 Months 0.45% 0.45% APY0.55% 0.55% 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 [fl_year format="F"] 1, [fl_year]
TermDividend Rates APY Classic Account Dividend RatesClassic Account APY
12 Months 0.35% 0.35% APY0.45% 0.45% APY
24 Months 0.50% 0.50% APY0.60% 0.60% APY
APY = Annual Percentage Yield. Penalty applies for early withdrawal. Fees could reduce earnings on any account. $100 minimum to open.