Savings & Checking Rates

Discover our competitive savings and checking rates.

Because we’re not-for-profit, we pay back earnings to you by offering higher deposit rates everyday .

Which savings or checking rates are you interested in?

Account Type
(credited and compounded quarterly)  		 Dividend Rate* APY*
APY = Annual Percentage Yield		 Min. Balance to Earn APY
Membership Savings/Share Account 0.15% 0.15% $5
Youth Savings
(Formerly Goal Getters)
 0.15% 0.15% $0
Emergency Savings2 
$0-$1,000
 5.15% 5.25% $0
Emergency Savings2
$1,000.01 and over
 0.15 0.15 $0
Christmas Club3
This account will be no longer be offered effective April 1, 2026 and any existing accounts will automatically convert to a Set-Aside Savings account on October 2, 2026.
 0.15% 0.15% $0
Escrow Accounts 0.05% 0.05% $0
IRA Savings 0.20% 0.20% $0
Money Market Advantage*
Balance Tier
(credited and compounded monthly)  
 Dividend Rate** APY*
APY = Annual Percentage Yield		 Min. Balance to Earn APY
$1,000-$2,499 0.30% 0.30% $1,000-$2,499
$2,500-$9,999 0.40% 0.40% $2,500-$9,999
$10,000-$24,999 0.50% 0.50% $10,000-$24,999
$25,000-$49,999 0.80% 0.80% $25,000-$49,999
$50,000-$74,999 0.90% 0.90% $50,000-$74,999
$75,000-$99,999 1.00% 1.00% $75,000-$99,999
Over $100,000 1.19% 1.20% Over $100,000
**Tiered rate structure. Money Market Advantage requires a minimum of $1,000 to open, account is subject to $10 monthly fee if the balance falls below the minimum requirement.
 
Money Market3
Balance Tier
(credited and compounded monthly)  
Dividend Rate
Tiered rate structure
 APY*
APY = Annual Percentage Yield		 Min. Balance to Earn APY
$1,000-$2,499 0.30% 0.30% $1,000-$2,499
$2,500-$9,999 0.40% 0.40% $2,500-$9,999
$10,000-$24,999 0.50% 0.50% $10,000-$24,999
$25,000-$49,999 0.80% 0.80% $25,000-$49,999
$50,000-$74,999 0.90% 0.90% $50,000-$74,999
$75,000-$99,999 1.00% 1.00% $75,000-$99,999
Over $100,000 1.19% 1.20%
Over $100,000
InvestAccount**
Balance Tier
(credited and compounded monthly)  
 Dividend Rate* APY
APY = Annual Percentage Yield		 Min. Balance to Earn APY
$1,000-$9,999 0.15% 0.15% $1,000-$9,999
$10,000-$19,999 0.20% 0.20% $10,000-$19,999
$20,000-$29,999 0.25% 0.25% $20,000-$29,999
$30,000 & over 0.30% 0.30% $30,000 & over
**Requires a minimum of $1,000, account is subject to $10 monthly fee if the balance falls below the minimum requirement.
(Existing InvestAccounts accounts only, new InvestAccounts are no longer available)
Account Type
(credited and compounded monthly)  
 Dividend Rate* APY Min. Balance to Earn APY
High Yield Spend5
$1,000 minimum balance to avoid a $10.00 monthly fee
 2.97 3.00 $0-$10,000
High Yield Spend5 
$1,000 minimum balance to avoid a $10.00 monthly fee
 0.10% 0.10% $10,000.01 - over
Prime Checking3 (Existing Prime Checking accounts only, new Prime Checking are no longer available)
A monthly service fee of $10 if balance is less than $500 at any time of the month.
 0.10% 0.10% $500
Classic Club Checking (Age 55 and better) 0.10% 0.10% $0.00
 
Share & IRA Certificates4
 
 Minimum Balance Requirement Dividend Rate* APY
APY = Annual Percentage Yield		 Credited & Compounded
6 month term $500 3.31% 3.35% Quarterly
12 month term $500 3.60% 3.64% Quarterly
24 month term $500 3.06% 3.10% Quarterly
36 month term $500 3.21% 3.25% Quarterly
48 month term $500 2.97% 3.00% Quarterly
60 month term $500 2.87% 2.90% Quarterly
Youth Certificate - 6 mo. Term $250 3.31% 3.35% Quarterly
Youth Certificate - 12 mo. Term $250 3.60% 3.64% Quarterly
Contributions to Roth and traditional IRAs up to $7,000/year. "Catch-up" contribution option for individuals age 50 or older. A penalty may be assessed in the event of any early withdrawal.
 
 

Federally Insured by NCUA
















A Membership Savings /Share Account with a $5 minimum balance is required to establish and maintain membership.

(1) Dividends are calculated based upon the Average Daily Balance
(2) Requirement for Dividends: An active Spend Account AND have a recurring internal transfer from a Spend Account to the Emergency Savings Account
(3) No Longer Available.
(4) A penalty may be assessed in the event of any early withdrawal.
(5) Requirement for Dividends: Make 25 debit card purchases each month AND receive monthly direct deposit or at least two Automated Clearing House (ACH) deposits totaling $500

*Rates are effective on date of publication and may be subject to change and fees may reduce potential earnings. APY = Annual Percentage Yield.