Savings Rates

Effective Date: 8/12/2021

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 0.01% 0.01%
$50 - $999.99 0.01% 0.01%
$1,000 - $24,999.99 0.01% 0.01%
$25,000 + 0.01% 0.01%
$15 Minimum Daily Balance required to earn the stated APY
Minimum Opening Deposit: $15
Special Savings
Minimum Opening Deposit APY Dividend Rate
$0 0.01% 0.01%
No Minimum Daily Balance required to earn the stated APY
Holiday Club Account
Minimum Opening Deposit APY Dividend Rate
$0 0.01% 0.01%
No Minimum Daily Balance required to earn the stated APY
Health Savings Account
  APY Dividend Rate
$0 - $2,499.99 0.05% 0.05%
$2,500 - $4,999.99 0.05% 0.05%
$5,000 - $24,999.99 0.05% 0.05%
$25,000 – $49,999.99 0.05% 0.05%
$50,000 - $89,999.99 0.05% 0.05%
$90,000 + 0.05% 0.05%
No Minimum Daily Balance required to earn the stated APY
Minimum Opening Deposit: $0
Money Market Account
  APY Dividend Rate
$0 - $2,499.99 0.01% 0.01%
$2,500 - $4,999.99 0.01% 0.01%
$5,000 - $24,999.99 0.01% 0.01%
$25,000 – $49,999.99 0.01% 0.01%
$50,000 - $89,999.99 0.01% 0.01%
$90,000 + 0.01% 0.01%
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
Kasasa Saver - Savings Account
  APY Dividend Rate
$0 - $10,0000** 0.25% 0.25%
$10,000.01- and over** 0.05% 0.05%
Non-qualifying rate 0.05% 0.05%

No Minimum Daily Balance required to earn the state APY. Kasasa Checking Account required to qualify for Kasasa Saver account. To qualify, Kasasa Checkign account must meet qualifications listed below. 

Kasasa Cash - Checking Account
  APY Dividend Rate
$0 - $10,0000** 0.75% 0.75%
$10,000.01- and over** 0.75%-0.10% 0.10%
Non-qualifying rate 0.05% 0.05%

No Minimum Daily Balance required to earn the state APY. No monthly charge. No penalty for non-qualifying accounts, must meet qualifies (listed below**) to qualify for stated APY. 

Kasasa Cash Back - Checking Account
  APY Dividend Rate
2% cash back on debit card purchases up to $200.00 must meet qualifcations below to obtain reward**

No Minimum Daily Balance required to earn the state APY. No penalty if you do not meet qualification. No monthly service charge.

** Kasasa accounts must meet the following account qualifications to earn the qualifying dividend rate and APY or rewards in any qualification cycle:

  1. a minimum of 12 debit card purchases post to your Kasasa Cash or Kasasa Cash Back account.
  2. you receive monthly e-Statements for the account; and
  3. direct deposit of payroll, retirement, or another electronic (ACH) credit posts to your account.  At least 1 direct deposit, ACH payment, or ACH credit transaction(s) 

Further details are set forth in the Truth in Savings Disclosures.

 

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
$50 + * 0.02% 0.02%
$250 - $49,999.99 0.02% 0.02%
$50,000 + 0.02% 0.02%
6-Month Certificate
Minimum Opening Deposit APY Dividend Rate
$50 + * 0.02% 0.02%
$250 - $49,999.99 0.02% 0.02%
$50,000 + 0.02% 0.02%
9-Month Certificate
Minimum Opening Deposit APY Dividend Rate
$50 + * 0.02% 0.02%
$250 - $49,999.99 0.02% 0.02%
$50,000 + 0.02% 0.02%
12-Month Certificate
Minimum Opening Deposit APY Dividend Rate
$50 + * 0.02% 0.02%
$250 - $49,999.99 0.02% 0.02%
$50,000 - $99,999 0.02% 0.02%
$100,000 + 0.02% 0.02%
18-Month Certificate
Minimum Opening Deposit APY Dividend Rate
$50 + * 0.05% 0.05%
$250 - $49,999.99 0.05% 0.05%
$50,000 - $99,999 0.05% 0.05%
$100,000 + 0.05% 0.05%
24-Month Certificate
Minimum Opening Deposit APY Dividend Rate
$50 + * 0.05% 0.05%
$250 - $49,999.99 0.05% 0.05%
$50,000 - $99,999 0.05% 0.05%
$100,000 + 0.05% 0.05%
36-Month Certificate
Minimum Opening Deposit APY Dividend Rate
$50 + * 0.10% 0.10%
$250 - $49,999.99 0.10% 0.10%
$50,000 - $99,999 0.10% 0.10%
$100,000 + 0.10% 0.10%
48-Month Certificate
Minimum Opening Deposit APY Dividend Rate
$50 + * 0.10% 0.10%
$250 - $49,999.99 0.10% 0.10%
$50,000 - $99,999 0.10% 0.10%
$100,000 + 0.10% 0.10%
60-Month Certificate
Minimum Opening Deposit APY Dividend Rate
$50 + * 0.10% 0.10%
$250 - $49,999.99 0.10% 0.10%
$50,000 - $99,999 0.10% 0.10%
$100,000 + 0.10% 0.10%

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