Savings Rates

All rates are provided on the website for the convenience of members and potential members. Complete account disclosures are provided at your request (in person, via phone, or email) or at account inception and control the terms and conditions of credit union accounts. Your savings are federally insured up to $250,000.00 by the National Credit Union Administration and backed by the full faith and credit of the United States Government. Rates are subject to change at any time.

Prospective Dividend Rate Schedule – Savings

Rates current as of January 1, 2019

Dividend Period APY*** Minimum to Earn APY/Minimum to
Open Account/Maximum Balance
Regular Savings Quarterly 0.30% $50.00/$5.00/$500,000.00
Open Savings Quarterly 0.30% $50.00/$5.00/$500,000.00
Investor Savings
– 1st Tier Monthly 1.76% $125,000.00/$1,000.00/$500,000.00
– 2nd Tier Monthly 1.30% $75,000.00/$1,000.00/NA
– 3rd Tier Monthly 1.05% $25,000.00/$1,000.00/NA
– 4th Tier Monthly 0.75% $1,000.00/$1,000.00/NA
Kasasa Saver® Savings*
– 1st Tier Monthly Qualifying Cycle** 0.30% $7,500.00/$30.00/$500,000.00
– 2nd Tier Monthly Qualifying Cycle** 0.35% $0.00/$30.00/NA
– Non-Qualifying Rate Monthly Qualifying Cycle** 0.03% $0.00/$30.00/$500,000.00
Education Fund Quarterly 0.75% $50.00/$5.00/$500,000.00
Saver’s Sweepstakes™
Christmas Club Oct 1 – Sept 30 0.50% $50.00/$5.00/$500,000.00
Real Estate Escrow Quarterly 0.18% $5.00/$5.00/NA
IRA Savings Quarterly 1.00% $50.00/$5.00/$500,000.00
Coverdell ESA Quarterly 1.00% $50.00/$5.00/NA
– 1st Tier Monthly 0.10% $5,000.00/$20.00/$500,000.00
– 2nd Tier Monthly 0.05% $1,000.00/$20.00/NA
– 3rd Tier Monthly 0.01% $300.00/$20.00/NA
Kasasa Cash® Checking*
– 1st Tier Monthly Qualifying Cycle** 0.30% $7,500.00/$30.00/$500,000.00
– 2nd Tier Monthly Qualifying Cycle** 2.00% $0.00/$30.00/NA
– Non-Qualifying Rate Monthly Qualifying Cycle** 0.03% $0.00/$30.00/$500,000.00
Health Savings Account (HSA)
– 1st Tier Monthly 1.51% $25,001.00/$0.00/$500,000.00
– 2nd Tier Monthly 1.20% $10,001.00/$0.00/NA
– 3rd Tier Monthly 0.85% $2,001.00/$0.00/NA
– 4th Tier Monthly 0.60% $50.01/$0.00/NA

*Rate based on whether qualifications for each product are met based on the program requirements. See the Kasasa Cash® and Kasasa Saver® webpage for more information.

**Monthly Qualifying Cycle means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.

***The Annual Percentage Yield (APY) may change every dividend period. We may change the dividend rate for your account as determined by the credit union Board of Directors. Fees may reduce earnings. Penalties may be imposed for early withdrawal on some accounts (Christmas Club and IRA Savings). Please request complete disclosures for detailed information. Contact the credit union directly to verify current rates.

Certificate Rates

Important Notice! The certificate rates listed below are valid through June 26, 2019. New rates will be posted on or after June 27, 2019. The terms and rates listed below apply to selected IRA Certificates as applicable.  

Rates current as of June 20, 2019.

Term APY** Dividend Paid Minimum to Earn APY & Minimum to Open
3 Months 0.60% Maturity $1,000.00
3 Months 0.80% Maturity $10,000.00
6 Months 0.75% Monthly $1,000.00
6 Months 1.25% Monthly $10,000.00
11 Months **SPECIAL** 2.01% Monthly $10,000.00
12 Months 1.81% Quarterly $500.00
18 Months 1.86% Quarterly $500.00
24 Months 2.01% Quarterly $500.00
36 Months 2.52% Quarterly $500.00
48 Months 2.57% Quarterly $500.00
60 Months **SPECIAL** 3.03% Quarterly $500.00

**Annual Percentage Yield Penalties imposed for early withdrawal of certificate deposits.