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Rates

Share Account Rates

Savings Account Rates

Membership Savings Account – Minimum Investment $5 & Membership Top Teen Minimum Investment – $150
Rates Effective: 1/1/2018
Account BalanceDividend RateAPY*
$0.00 – unlimited0.10%0.10%
Certain Saver Account***
Rates Effective:
Account Balance** Dividend RateAPY*
$0.00 – unlimited0.10%0.10%
Savings Plus Account*** (discontinued)
Rates Effective:
Account Balance Dividend RateAPY*
$0 – unlimited0.10%0.10%

Checking Account Rates

myChoice Checking Account
Rates Effective:
Account BalanceDividend RateAPY*
$0.00 - $3,0002.96%3.00%
$3001.00 - unlimited0.05%0.05%
myDefense Checking Account – Opening Deposit $25
Rates Effective:
Checking Account TypeDividend RateAPY*
myDefense Checking0.00%0.00%
myWallet Checking Account – No Opening Deposit Required
Rates Effective:
Checking Account TypeDividend RateAPY*
myWallet Checking0.00%0.00%
Business Checking Account – Opening Deposit $50
Rates Effective:
Checking Account TypeDividend RateAPY*
Business Checking0.00%0.00%
Grand Checking Account – Minimum Investment $1000
Rates Effective:
Checking Account TypeDividend RateAPY*
Grand Checking0.05%0.05%
Checking Plus Account*** (discontinued)
Rates Effective:
Account BalanceDividend RateAPY*
$0.00 – unlimited0.05%0.05%

Money Market Account Rates

Money Market Max Account – Minimum Investment $500 & Money Market Account***
Rates Effective:
Account BalanceTier Dividend RateAPY*
$0.00 – $9,999.990.50%0.50%
$10,000.00 – $24,999.990.60%0.60%
$25,000.00 – $49,999.990.75%0.75%
$50,000.00 – $99,999.990.85%0.85%
$100,000.00 – unlimited1.15%1.16%
Health Savings Account** – Minimum Investment $100
Rates Effective:
Account BalanceTier Dividend RateAPY*
$0.00 – $9,999.990.50%0.50%
$10,000.00 – unlimited0.60%0.60%

IRA Rates

IRA Investment Account – Minimum Investment $100
Rates Effective:
Account Type Dividend RateAPY*
Traditional Share Accounts0.10%0.10%
Roth/Education Share Accounts0.10%0.10%
IRA Certificates – Minimum Investment $1,000
Rates Effective:
Certificate TermsDividend RateAPY*
18 Month Roth/Traditional/Educational (Promotional offer – maximum deposit $250,000) 2.96%3.00%
12 Month Roth/Traditional/Educational1.75%1.77%
24 Month Roth/Traditional/Educational1.90%1.92%
48 Month Roth/Traditional/Educational2.10%2.12%
36 Month Roth/Traditional/Educational 2.00%2.02%
60 Month Roth/Traditional/Educational 2.25%2.28%
12 Month Variable/Traditional***0.90%0.90%

Certificate Account Rates

Certificate Accounts – Minimum Investment $1,000
Rates Effective:
Certificate TermsDividend RateAPY*
3 Month Certificate0.90%0.90%
6 Month Certificate1.10%1.11%
12 Month Certificate1.75%1.77%
18 Month Certificate (Promotional offer – maximum deposit $250,000) 2.96%3.00%
24 Month Certificate1.90%1.92%
30 Month Certificate1.95%1.97%
36 Month Certificate 2.00%2.02%
48 Month Certificate2.10%2.12%
60 Month Certificate2.25%2.28%
84 Month Certificate2.35%2.38%
Variable Choice Certificate***0.90%0.90%
Health Savings Account (HSA) Certificates – Minimum Investment $500
Rates Effective:
Certificate TermsDividend RateAPY*
HSA 6 Month Certificate1.10%1.11%

Special Certificates for Diamond and Platinum Rewards Members

Special Certificate Accounts – Minimum Investment $25,000
Rates Effective:
Certificate TermsDividend RateAPY*
18 Month Certificate (Promotional offer – maximum deposit $250,000) 2.96%3.00%
6 Month Certificate1.20%1.21%
12 Month Certificate1.85%1.87%
24 Month Certificate2.00%2.02%
36 Month Certificate 2.10%2.12%
48 Month Certificate2.20%2.22%
60 Month Certificate2.35%2.38%

Effective date: 

*APY=Annual Percentage Yield

**Tiered Accounts: HSA Money Market accounts are true tiered accounts. The dividend rate is paid based on the appropriate dollars in that level.

***Certain Saver accounts, 12-Month Variable/Traditional IRA Certificate accounts, and Variable Choice Certificate accounts have been discontinued as of 1/1/17. Regular Money Market accounts have been discontinued as of 4/1/16; all new Money Market accounts will be opened as Money Market Max accounts. Savings and Checking Plus accounts have been discontinued as of 10/1/11. Posted rates are for existing account holders.

Early withdraw penalties may apply to certificates and IRA certificates accounts.

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