Deposit Rates
Bigger numbers are better. And really, we're always trying to do what's best for you.
As a credit union, our mission is to lift your finances to new levels. One way we do that is to set higher rates for savings, money market, certificate and IRA accounts.
Think of it as a team effort. You get things started by depositing your hard-earned dollars. Then we pick up the ball and pay dividends that help grow your wealth.
Primary Share Savings
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| Less than $2,500 | 0.00% | 0.00% |
| $2,500-$9,999.99 | 0.05% | 0.05% |
| $10,000-$99,999.99 | 0.10% | 0.10% |
| $100,000 and greater | 0.15% | 0.15% |
Choice Savings
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| Less than $2,500 | 0.00% | 0.00% |
| $2,500-$9,999.99 | 0.05% | 0.05% |
| $10,000-$99,999.99 | 0.10% | 0.10% |
| $100,000 and greater | 0.15% | 0.15% |
IRA Savings
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| No Minimum | 0.25% | 0.25% |
World Checking
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| Less than $50,000 | 0.05% | 0.05% |
| $50,000 and greater | 0.15% | 0.15% |
Ultimate Checking
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| Up to $10,000 | 2.96% | 3.00% |
| Greater than $10,000 | 0.10% | 0.10% |
Must have statement delivered as eStatement and have at least 15 non-ATM debit card transactions, each equaling $5 or more during the monthly statement period, or no dividends will be paid.
HSA Checking
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| No Minimum Balance | 0.60% | 0.60% |
Dividends for standard Share Certificates are compounded monthly. Dividends for IRA and HSA Certificates are compounded quarterly. Dividends must remain in account for the entire term to earn APY. Certificates are subject to early withdrawal penalty, which may reduce earnings. Minimum to open is $500. Visit a branch to open an IRA Certificate (not available to open online).
Specials
Share Certificate Special(s)
| Term | Minimum Opening Balance | Rate | APY* |
|---|---|---|---|
| 14-Month Share Certificate | $500 | 4.90% | 5.01% |
| 14-month IRA Share Certificate | $500 | 4.93% | 5.02% |
Dividends for Share Certificates are compounded monthly. Dividends must stay in the account for the entire term to earn APY. Certificates are subject to early withdrawal penalty, which may reduce earnings.
IRA Share Certificate
| Term | Minimum Opening Balance | Rate | APY* |
|---|---|---|---|
| 15-Month Premium* | $500 | 4.36% | 4.45% |
Dividends for IRA Share Certificates are compounded quarterly. Dividends must stay in the account for the entire term to earn APY. Certificates are subject to early withdrawal penalty, which may reduce earnings.
Share Certificates
| Term | Minimum Opening Balance | Rate | APY* |
|---|---|---|---|
| 6 mo | $500 | 1.18% | 1.19% |
| 12 mo | $500 | 1.35% | 1.36% |
| 18 mo | $500 | 1.61% | 1.62% |
| 24 mo | $500 | 2.20% | 2.22% |
| 36 mo | $500 | 2.62% | 2.65% |
| 60 mo | $500 | 2.80% | 2.84% |
| 72 mo | $500 | 3.00% | 3.04% |
Dividends for Share Certificates are compounded monthly. Dividends must remain in the account for the entire term to earn APY. Certificates are subject to early withdrawal penalty, which may reduce earnings.
IRA Certificates
| Term | Minimum Opening Balance | Rate | APY* |
|---|---|---|---|
| 6 mo | $500 | 1.21% | 1.22% |
| 12 mo | $500 | 1.38% | 1.39% |
| 18 mo | $500 | 1.64% | 1.65% |
| 24 mo | $500 | 2.23% | 2.25% |
| 36 mo | $500 | 2.65% | 2.68% |
| 60 mo | $500 | 2.83% | 2.86% |
| 72 mo | $500 | 3.03% | 3.06% |
Dividends for IRA Share Certificates are compounded quarterly. Dividends must remain in the account for the entire term to earn APY. Certificates are subject to early withdrawal penalty, which may reduce earnings.
HSA Certificates
| Term | Minimum Opening Balance | Rate | APY* |
|---|---|---|---|
| 12 mo | $500 | 1.40% | 1.41% |
| 36 mo | $500 | 2.70% | 2.73% |
| 60 mo | $500 | 2.90% | 2.93% |
Dividends for HSA Certificates are compounded quarterly. Dividends must remain in the account for the entire term to earn APY. Certificates are subject to early withdrawal penalty, which may reduce earnings.
Premium Money Market Rates
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| Less than $100,000 | 0.75% | 0.75% |
| $100,000 and Greater | 1.25% | 1.26% |
Dividends earned are tiered based on average daily Premium Money Market Account balance. They are compounded daily and paid monthly. Fees may apply as described in the common features.
IRA Share
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| No Minimum | 0.25% | 0.25% |
Tiered IRA Share
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| Less than $10,000 | 0.10% | 0.10% |
| $10,000 and Greater | 0.25% | 0.25% |
IRA Certificates
| Term | Minimum Opening Balance | Rate | APY* |
|---|---|---|---|
| 6 mo | $500 | 1.21% | 1.22% |
| 12 mo | $500 | 1.38% | 1.39% |
| 18 mo | $500 | 1.64% | 1.65% |
| 24 mo | $500 | 2.23% | 2.25% |
| 36 mo | $500 | 2.65% | 2.68% |
| 60 mo | $500 | 2.83% | 2.86% |
| 72 mo | $500 | 3.03% | 3.06% |
Dividends for IRA Share Certificates are compounded quarterly. Dividends must remain in the account for the entire term to earn APY. Certificates are subject to early withdrawal penalty, which may reduce earnings.
HSA Checking
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| No Minimum Balance | 0.60% | 0.60% |
Dividends are compounded monthly and paid monthly. Check out our HSA FAQs to learn more about maximum contribution amounts, catch-up amount for participants over 55 years of age, and other information. Fees and restrictions may apply as described in the common features.
HSA Certificates
| Term | Minimum Opening Balance | Rate | APY* |
|---|---|---|---|
| 12 mo | $500 | 1.40% | 1.41% |
| 36 mo | $500 | 2.70% | 2.73% |
| 60 mo | $500 | 2.90% | 2.93% |
Dividends for HSA Certificates are compounded quarterly. Dividends must remain in the account for the entire term to earn APY. Certificates are subject to early withdrawal penalty, which may reduce earnings.
*APY = Annual Percentage Yield. APY accurate as of June 26, 2023. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice. Fees may reduce earnings.
Current rates are subject to change. All accounts are under the terms and conditions of the respective account.
* APY is Annual Percentage Yield. Rate refers to dividend rate.