Savings Rates

Effective Date: 4/1/2017

Savings Rates

Dividends are compounded and credited monthly on all savings, checking, HSA and money market accounts. Fees could reduce earnings on an account, see the Fee Schedule for more information. Rates are subject to change. Please read the Truth In Savings Disclosures for additional information. Rates are not valid for brokered deposits, institutional investors or public funds. APY = Annual Percentage Yield.

Membership Account, Trust Account, and Youth Accounts
  APY Dividend Rate
$0 - $14.99 0.00% 0.00%
$15 - $49.99 0.05% 0.05%
$50 - $999.99 0.05% 0.05%
$1,000 - $24,999.99 0.05% 0.05%
$25,000 + 0.05% 0.05%
$15 Minimum Daily Balance required to earn the stated APY
Minimum Opening Deposit: $15
Special Savings
Minimum Opening Deposit APY Dividend Rate
$0 0.05% 0.05%
No Minimum Daily Balance required to earn the stated APY
Holiday Club Account
Minimum Opening Deposit APY Dividend Rate
$0 0.05% 0.05%
No Minimum Daily Balance required to earn the stated APY
Health Savings Account
  APY Dividend Rate
$0 - $2,499.99 0.10% 0.10%
$2,500 - $4,999.99 0.10% 0.10%
$5,000 - $24,999.99 0.10% 0.10%
$25,000 – $49,999.99 0.15% 0.15%
$50,000 - $89,999.99 0.20% 0.20%
$90,000 + 0.25% 0.25%
No Minimum Daily Balance required to earn the stated APY
Minimum Opening Deposit: $0
Money Market Account
  APY Dividend Rate
$0 - $2,499.99 0.10% 0.10%
$2,500 - $4,999.99 0.10% 0.10%
$5,000 - $24,999.99 0.10% 0.10%
$25,000 – $49,999.99 0.20% 0.20%
$50,000 - $89,999.99 0.25% 0.25%
$90,000 + 0.30% 0.30%
No Minimum Daily Balance required to earn the stated APY
Minimum Daily Balance of $500 to avoid monthly service fee
Minimum Opening Deposit: $500
Checking Account
Minimum Opening Deposit APY Dividend Rate
$0 0.00% 0.00%
No Minimum Daily Balance required to earn the stated APY
Interest-Bearing Checking Account
Minimum Opening Deposit APY Dividend Rate
$500 0.05% 0.05%
No Minimum Daily Balance required to earn the stated APY
Minimum Daily Balance of $500 to avoid monthly service fee

 

Certificate and Health Savings Certificate Rates

Dividends are compounded and credited monthly on all Certificate and Health Savings Certificate accounts. A penalty may be imposed for early withdrawal. Certificates are automatically renewed. Rates are subject to change. Please read the Truth in Savings Disclosures for additional information. Rates are not valid for brokered deposits, institutional investors or public funds. APY = Annual Percentage Yield.

3-Month Certificate
Minimum Opening Deposit APY Dividend Rate
$250 - $49,999.99 0.10% 0.10%
$50,000 + 0.20% 0.20%
6-Month Certificate
Minimum Opening Deposit APY Dividend Rate
$50 + * 0.15% 0.15%
$250 - $49,999.99 0.20% 0.20%
$50,000 + 0.30% 0.30%
9-Month Certificate
Minimum Opening Deposit APY Dividend Rate
$250 - $49,999.99 0.25% 0.25%
$50,000 + 0.35% 0.35%
12-Month Certificate
Minimum Opening Deposit APY Dividend Rate
$50 + * 0.15% 0.15%
$250 - $49,999.99 0.30% 0.30%
$50,000 - $99,999 0.40% 0.40%
$100,000 + 0.50% 0.50%
18-Month Certificate
Minimum Opening Deposit APY Dividend Rate
$250 - $49,999.99 0.40% 0.40%
$50,000 - $99,999 0.50% 0.50%
$100,000 + 0.60% 0.60%
24-Month Certificate
Minimum Opening Deposit APY Dividend Rate
$50 + * 0.25% 0.25%
$250 - $49,999.99 0.50% 0.50%
$50,000 - $99,999 0.60% 0.60%
$100,000 + 0.70% 0.70%
36-Month Certificate
Minimum Opening Deposit APY Dividend Rate
$50 + * 0.25% 0.25%
$250 - $49,999.99 0.60% 0.60%
$50,000 - $99,999 0.70% 0.70%
$100,000 + 0.80% 0.80%
48-Month Certificate
Minimum Opening Deposit APY Dividend Rate
$50 + * 0.35% 0.35%
$250 - $49,999.99 0.70% 0.70%
$50,000 - $99,999 0.80% 0.80%
$100,000 + 0.90% 0.90%
60-Month Certificate
Minimum Opening Deposit APY Dividend Rate
$50 + * 0.35% 0.35%
$250 - $49,999.99 0.80% 0.80%
$50,000 - $99,999 0.90% 0.90%
$100,000 + 1.00% 1.00%

* You must have a PeeWee Penguin or Teen membership account.