Membership Savings Account Minimum Investment - $ 5
Membership Top Teen Minimum Investment - $ 150
$ 0.00 - $2,499.99
0.50%
0.50%
$2,500.00 - $4,999.99
0.75%
0.50%-0.63%
$5,000 +
1.00%
0.63%-0.82%
Certain Saver Account Minimum Investment - $ 200
$0.00 +
1.25%
1.26%
Savings Plus Account Minimum Investment - $ 0
$0.00 - $500.00
7.30%
7.50%
$500.01 - $2,499.99
0.50%
1.90% - 7.50%
$2,500.00 - $4,999.99
0.75%
1.33% - 1.90%
$5,000 +
1.00%
1.17% - 1.13%
Checking Accounts
Checking Account Types
Dividend Rate
APY*
Regular Checking Minimum Investment - $ 25
Regular Checking
0.00%
0.00%
Business Checking Minimum Investment - $ 50
Business Checking
0.00%
0.00%
Grand Checking Minimum Investment - $ 1000
Grand Checking
0.75%
0.75%
Checking Plus Minimum Investment - $ 0
$0.00 - $500.00
7.30%
7.50%
$500.01 +
0.50%
0.85% - 7.50%
Money Market Accounts
Money Market Account**
Tier Dividend Rate
APY*
Minimum Investment - $ 500
$ 0.00 - $9,999.99
1.00%
1.01%
$10,000.00 - Unlimited
2.35%
1.01%-1.69%
Health Savings Account**
Tier Dividend Rate
APY*
Minimum Investment - $ 100
$ 0.00 - $9,999.99
3.00%
3.04%
$10,000.00 - Unlimited
4.00%
3.04% - 3.56%
Money Market Max
Tier Dividend Rate
APY*
Minimum Investment - $ 10,000
$ 0.00 - $9,999.99
0.65%
0.65%
$10,000.00 - $24,999.99
1.85%
1.87%
$25,000.00 - $49,999.99
1.98%
2.00%
$50,000.00 - $99,999.99
2.25%
2.27%
$100,000.00 - Unlimited
2.50%
2.53%
IRAs
IRA Investment
Dividend Rate
APY*
Minimum Investment - $ 100
Traditional Share Accounts
1.50%
1.51%
Roth/Education Share Accounts
1.50%
1.51%
IRA Certificates
Dividend Rate
APY*
Minimum Investment - $ 1,000
12 Month Roth/ Traditional/Education
3.05%
3.10%
24 Month Roth/ Traditional/Education
3.25%
3.30%
36 Month Roth/ Traditional/Education
3.44%
3.50%
48 Month Roth/ Traditional/Education
3.68%
3.75%
60 Month Roth/ Traditional/Education
4.31%
4.40%
12 Month Variable/Traditional
3.10%
3.15%
Certificate Accounts
Certificate Terms
Dividend Rate
APY*
Minimum Investment - $ 1,000
3 Month Certificate
2.62%
2.65%
6 Month Certificate
2.86%
2.90%
12 Month Certificate
3.05%
3.10%
18 Month Certificate
3.10%
3.15%
24 Month Certificate
3.25%
3.30%
30 Month Certificate
3.34%
3.40%
36 Month Certificate
3.44%
3.50%
42 Month Certificate
3.59%
3.66%
48 Month Certificate
3.68%
3.75%
60 Month Certificate
4.31%
4.40%
Variable Choice Certificate
2.95%
2.99%
Health Savings Account (HSA) Certificate, Minimum Investment - $ 500
HSA 6 Month Certificate
2.86%
2.90%
Special Certificates for Platinum and Diamond Rewards Members
Certificates Terms
Dividend Rate
APY*
Minimum Investment - $ 25,000
6 Month Certificate
2.96%
3.00%
12 Month Certificate
3.20%
3.25%
18 Month Certificate
3.25%
3.30%
24 Month Certificate
3.40%
3.46%
30 Month Certificate
3.49%
3.55%
36 Month Certificate
3.59%
3.66%
42 Month Certificate
3.74%
3.81%
48 Month Certificate
3.83%
3.90%
60 Month Certificate
4.46%
4.56%
*APY = Annual Percentage Yield
**Tiered Accounts: Only Share, Savings Plus, Checking Plus, Money Market, and HSA Money Market accounts are true tiered accounts. The dividend rate is paid based on the appropriate dollars in that level.
Early withdraw penalties may apply to certificates and IRA certificates accounts.
