Savings Account Rates
Membership Savings Account – Minimum Investment $5 & Membership Top Teen Minimum Investment – $150
Rates Effective:
1/1/2018
| Account Balance | Dividend Rate | APY* |
|---|
| $0.00 – unlimited | 0.10% | 0.10% |
Certain Saver Account***
| Account Balance** | Dividend Rate | APY* |
|---|
| $0.00 – unlimited | 0.10% | 0.10% |
Savings Plus Account*** (discontinued)
| Account Balance | Dividend Rate | APY* |
|---|
| $0 – unlimited | 0.10% | 0.10% |
Checking Account Rates
myChoice Checking Account
| Account Balance | Dividend Rate | APY* |
|---|
| $0.00 - $3,000 | 2.96% | 3.00% |
| $3001.00 - unlimited | 0.05% | 0.05% |
myDefense Checking Account – Opening Deposit $25
| Checking Account Type | Dividend Rate | APY* |
|---|
| myDefense Checking | 0.00% | 0.00% |
myWallet Checking Account – No Opening Deposit Required
| Checking Account Type | Dividend Rate | APY* |
|---|
| myWallet Checking | 0.00% | 0.00% |
Grand Checking Account – Minimum Investment $1000
| Checking Account Type | Dividend Rate | APY* |
|---|
| Grand Checking | 0.05% | 0.05% |
Checking Plus Account*** (discontinued)
| Account Balance | Dividend Rate | APY* |
|---|
| $0.00 – unlimited | 0.05% | 0.05% |
Money Market Account Rates
Money Market Max Account** – Minimum Investment $500 & Money Market Account***
| Account Balance | Tier Dividend Rate | APY* |
|---|
| $0.00 – $9,999.99 | 0.05% | 0.05% |
| $10,000.00 – $24,999.99 | 0.05% | 0.05% |
| $25,000.00 – $49,999.99 | 0.05% | 0.05% |
| $50,000.00 – $99,999.99 | 0.10% | 0.10% |
| $100,000.00 – unlimited | 0.15% | 0.15% |
Health Savings Account** – Minimum Investment $100
| Account Balance | Tier Dividend Rate | APY* |
|---|
| $0.00 – $9,999.99 | 0.05% | 0.05% |
| $10,000.00 – unlimited | 0.05% | 0.05% |
IRA Rates
IRA Investment Account – Minimum Investment $100
| Account Type | Dividend Rate | APY* |
|---|
| Traditional Share Accounts | 0.10% | 0.10% |
| Roth/Education Share Accounts | 0.10% | 0.10% |
IRA Certificates – Minimum Investment $1,000
| Certificate Terms | Dividend Rate | APY* |
|---|
| 12 Month Roth/Traditional/Educational | 0.20% | 0.20% |
| 24 Month Roth/Traditional/Educational | 0.40% | 0.40% |
| 36 Month Roth/Traditional/Educational | 0.60% | 0.60% |
| 48 Month Roth/Traditional/Educational (Promotional offer for new accounts only – maximum deposit $250,000) | 1.24% | 1.25% |
| 60 Month Roth/Traditional/Educational | 0.90% | 0.90% |
| 12 Month Variable/Traditional*** | 0.10% | 0.10% |
Certificate Account Rates
Certificate Accounts – Minimum Investment $1,000
| Certificate Terms | Dividend Rate | APY* |
|---|
| 3 Month Certificate | 0.10% | 0.10% |
| 6 Month Certificate | 0.10% | 0.10% |
| 12 Month Certificate | 0.20% | 0.20% |
| 18 Month Certificate | 0.30% | 0.30% |
| 24 Month Certificate | 0.40% | 0.40% |
| 30 Month Certificate | 0.50% | 0.50% |
| 36 Month Certificate | 0.60% | 0.60% |
| 48 Month Certificate (Promotional offer for new accounts only – maximum deposit $250,000) | 1.24% | 1.25% |
| 60 Month Certificate | 0.90% | 0.90% |
| 84 Month Certificate | 1.25% | 1.26% |
| Variable Choice Certificate*** | 0.10% | 0.10% |
Health Savings Account (HSA) Certificates – Minimum Investment $500
| Certificate Terms | Dividend Rate | APY* |
|---|
| HSA 6 Month Certificate | 0.10% | 0.10% |
Special Certificates for Diamond and Platinum Rewards Members
Special Certificate Accounts – Minimum Investment $25,000
| Certificate Terms | Dividend Rate | APY* |
|---|
| 6 Month Certificate | 0.20% | 0.20% |
| 12 Month Certificate | 0.30% | 0.30% |
| 24 Month Certificate | 0.50% | 0.50% |
| 36 Month Certificate | 0.70% | 0.70% |
| 48 Month Certificate (Promotional offer for new accounts only – maximum deposit $250,000) | 1.24% | 1.25% |
| 60 Month Certificate | 1.00% | 1.01% |
Business Account Rates
Business Savings Account
| Account Balance | Dividend Rate | APY* |
|---|
| $0.00 – unlimited | 0.10% | 0.10% |
Business Checking Account – Opening Deposit $50
| Checking Account Type | Dividend Rate | APY* |
|---|
| Business Checking | 0.00% | 0.00% |
Business Money Market Account**
| Account Balance | Tier Dividend Rate | APY* |
|---|
| $0.00 – $9,999.99 | 0.05% | 0.05% |
| $10,000.00 - unlimited | 0.10% | 0.10% |
Effective date:
*APY=Annual Percentage Yield
**Tiered Accounts: Money Market Max and Business Money Market pay the rate on the total balance in the account. 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.