All Savings & Investments Rates

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Savings Accounts

Product
Dividend Rate
APY*
Product Savings
Dividend Rate 0.05%
APY* 0.05%
  • Last Updated: Aug. 06, 2009
  • Rates shown are subject to change.
  • $25 Minimum balance required to open and maintain the share account.
  • *Annual Percentage Yield

eStyle Checking Accounts

Product
Dividend Rate
APY *
Product $0 - $999.99
Dividend Rate N/A%
APY * N/A%
Product $1,000 - $4,999.99
Dividend Rate 0.05%
APY * 0.05%
Product $5,000 - $9,999.99
Dividend Rate 0.05%
APY * 0.05%
Product $10,000 and over
Dividend Rate 0.10%
APY * 0.10%
  • Last Updated: Nov. 12, 2009
  • Minimum Opening Balance: $100
  • Minimum Required Balance to Avoid Fees: $500
  • Minimum Required Balance to Earn Dividends: $1,000
  • Minimum Balance not met: $5.00 fee
  • Dividend: Compounded Monthly; Credited Monthly
  • Rates shown are subject to change.
  • Fees can reduce earnings.
  • * APY = Annual Percentage Yield

Dividend Checking Accounts

Product
Dividend Rate
APY *
Product $0 - $999.99
Dividend Rate N/A%
APY * N/A%
Product $1,000 - $4,999.99
Dividend Rate 0.05%
APY * 0.05%
Product $5,000 - $9,999.99
Dividend Rate 0.05%
APY * 0.05%
Product $10,000 and over
Dividend Rate 0.10%
APY * 0.10%
  • Last Updated: Nov. 12, 2009
  • Minimum Opening Balance: $100
  • Minimum Required Balance to Avoid Fees: $10,000
  • Minimum Required Balance to Earn Dividends: $1,000
  • Minimum Balance not met: $10.00 fee
  • Dividend: Compounded Monthly; Credited Monthly
  • Rates shown are subject to change.
  • Fees can reduce earnings.
  • * APY = Annual Percentage Yield

FlexTier Money Market Accounts

Product
Dividend Rate
APY *
Product $2,000 - $9,999.99
Dividend Rate 0.10%
APY * 0.10%
Product $10,000 - $24,999.99
Dividend Rate 0.15%
APY * 0.15%
Product $25,000 - $49,999.99
Dividend Rate 0.20%
APY * 0.20%
Product $50,000 - $74,999.99
Dividend Rate 0.25%
APY * 0.25%
Product $75,000 - $99,999.99
Dividend Rate 0.30%
APY * 0.30%
Product $100,000 - $199,999.99
Dividend Rate 0.40%
APY * 0.40%
Product $200,000 and over
Dividend Rate 0.50%
APY * 0.50%
  • Last Updated: Nov. 1, 2018
  • Fee for exceeding Withdrawal Limit: $25
  • Dividend: Compounded Monthly; Credited Monthly
  • Rates shown are subject to change.
  • Fees can reduce earnings.
  • * APY = Annual Percentage Yield.

Select Money Market Accounts

Product
Dividend Rate
APY*
Product $0 - $24,999.99
Dividend Rate 0.05%
APY* 0.05%
Product $25,000 and over
Dividend Rate 0.30%
APY* 0.30%
  • Last Updated: Aug. 1, 2018
  • Fee for exceeding Withdrawal Limit: $25
  • Dividend: Compounded Monthly; Credited Monthly
  • Rates shown are subject to change.
  • Fees can reduce earnings.
  • * APY = Annual Percentage Yield.

Premier Money Market Accounts

Product
Dividend Rate
APY*
Product $0 - $49,999.99
Dividend Rate 0.05%
APY* 0.05%
Product $50,000 and over
Dividend Rate 0.35%
APY* 0.35%
  • Last Updated: Aug. 1, 2018
  • Fee for exceeding Withdrawal Limit: $25
  • Dividend: Compounded Monthly; Credited Monthly
  • Rates shown are subject to change.
  • Fees can reduce earnings.
  • * APY = Annual Percentage Yield.

Jumbo Money Market Accounts

Product
Dividend Rate
APY*
Product $0 - $99,999.99
Dividend Rate 0.05%
APY* 0.05%
Product $100,000 and over
Dividend Rate 0.50%
APY* 0.50%
  • Last Updated: Aug. 1, 2018
  • Fee for exceeding Withdrawal Limit: $25
  • Dividend: Compounded Monthly; Credited Monthly
  • Rates shown are subject to change.
  • Fees can reduce earnings.
  • * APY = Annual Percentage Yield.

Certificate Rates - With as little as $500

Product
Dividend Rate
APY*
Product 3 mo. Certificate
Dividend Rate 0.60%
APY* 0.60%
Product 6 mo. Certificate
Dividend Rate 0.70%
APY* 0.70%
Product 12 mo. Certificate
Dividend Rate 1.00%
APY* 1.00%
Product 18 mo. Certificate
Dividend Rate 1.14%
APY* 1.15%
Product 24 mo. Certificate
Dividend Rate 1.24%
APY* 1.25%
Product 36 mo. Certificate
Dividend Rate 1.49%
APY* 1.50%
Product 48 mo. Certificate
Dividend Rate 1.74%
APY* 1.75%
Product 60 mo. Certificate
Dividend Rate 1.98%
APY* 2.00%
  • Minimum Opening Balance: $500
  • Minimum Required Balance: $500
  • Dividend: Compounded Monthly; Credited Monthly
  • Additional Deposit: Not permitted
  • Dividend Withdrawal: Allowed
  • Early withdrawal penalties apply
  • * APY = Annual Percentage Yield

Jumbo Certificate Rates - Over $100,000

Product
Dividend Rate
APY*
Product 6 mo. Certificate
Dividend Rate 0.80%
APY* 0.80%
Product 12 mo. Certificate
Dividend Rate 1.09%
APY* 1.10%
Product 24 mo. Certificate
Dividend Rate 1.34%
APY* 1.35%
Product 60 mo. Certificate
Dividend Rate 2.08%
APY* 2.10%
  • Minimum Opening Balance: $100,000
  • Minimum Required Balance: $100,000
  • Dividend: Compounded Monthly; Credited Monthly
  • Additional Deposit: Not permitted
  • Dividend Withdrawal: Allowed
  • Early withdrawal penalties apply
  • * APY = Annual Percentage Yield

Rags to Riches Club Savings Account

Product
Dividend Rate
APY*
Product Rags Savings Account
Dividend Rate 0.05%
APY* 0.05%
  • Last Updated: August 6, 2009
  • Rates shown are subject to change.
  • Fees can reduce earnings.
  • The Rags to Riches Savings Account is in addition to the membership savings account.
  • No minimum balance
  • * APY = Annual Percentage Yield.

Rags Certificate Rates - Ages 12 and under

Product
Dividend Rate
APY*
Product 12 mo. Certificate
Dividend Rate 1.00%
APY* 1.00%
Product 24 mo. Certificate
Dividend Rate 1.24%
APY* 1.25%
  • Minimum Opening Balance: $100
  • Minimum Required Balance: $100
  • Dividend: Compounded Monthly; Credited Monthly
  • Additional Deposit: Permitted - $10 Minimum Per Add-on Deposit
  • Dividend Withdrawal: Allowed
  • Early Withdrawal Penalties Apply
  • Rates shown are subject to change
  • * APY = Annual Percentage Yield

HSA Checking Account

Product
Dividend Rate
APY*
Product HSA Checking
Dividend Rate 0.25%
APY* 0.25%
  • Last Updated: Aug. 06, 2009
  • Fees may reduce earnings
  • IRS contribution or withdrawal limits and penalties may apply
  • Rates shown are subject to change
  • * APY = Annual Percentage Yield

HSA Certificate Rates - With as little as $100

Product
Dividend Rate
APY*
Product 3 mo. Certificate
Dividend Rate 0.60%
APY* 0.60%
Product 6 mo. Certificate
Dividend Rate 0.70%
APY* 0.70%
Product 12 mo. Certificate
Dividend Rate 1.00%
APY* 1.00%
Product 18 mo. Certificate
Dividend Rate 1.14%
APY* 1.15%
Product 24 mo. Certificate
Dividend Rate 1.24%
APY* 1.25%
Product 36 mo. Certificate
Dividend Rate 1.49%
APY* 1.50%
Product 48 mo. Certificate
Dividend Rate 1.74%
APY* 1.75%
Product 60 mo. Certificate
Dividend Rate 1.98%
APY* 2.00%
  • Minimum Opening Balance: $100
  • Minimum Required Balance: $100
  • Dividend: Compounded monthly; credited monthly
  • Additional Deposit: Permitted on HSA Certificates with terms of 12 months or less
  • Dividend Withdrawal: Allowed
  • IRS contribution limits and penalties apply
  • Early withdrawal penalties apply
  • Fees may reduce earnings
  • * APY = Annual Percentage Yield

HSA Jumbo Certificate Rates - Over $100,000

Product
Dividend Rate
APY*
Product 6 mo. Certificate
Dividend Rate 0.80%
APY* 0.80%
Product 12 mo. Certificate
Dividend Rate 1.09%
APY* 1.10%
Product 24 mo. Certificate
Dividend Rate 1.34%
APY* 1.35%
Product 60 mo. Certificate
Dividend Rate 1.98%
APY* 2.00%
  • Minimum Opening Balance: $100,000
  • Minimum Required Balance: $100,000
  • Dividend: Compounded monthly; credited monthly
  • Additional Deposit: Permitted for 6 and 12 month Certificates only
  • Dividend Withdrawal: Allowed
  • IRS contribution limits and penalties apply
  • Early withdrawal penalties apply
  • Fees may reduce earnings
  • * APY = Annual Percentage Yield

IRA/ESA Savings Account Rates

Product
Dividend Rate
APY*
Product IRA/ESA Savings Accounts
Dividend Rate 0.15%
APY* 0.15%
  • $100 Minimum balance is required to open and maintain an IRA
  • Early withdrawal penalties apply
  • IRS contribution limits apply
  • Rates shown are subject to change.
  • * APY = Annual Percentage Yield

IRA/ESA Certificate Rates - With as little as $100

Product
Dividend Rate
APY*
Product 3 mo. Certificate
Dividend Rate 0.60%
APY* 0.60%
Product 6 mo. Certificate
Dividend Rate 0.70%
APY* 0.70%
Product 12 mo. Certificate
Dividend Rate 1.00%
APY* 1.00%
Product 18 mo. Certificate
Dividend Rate 1.14%
APY* 1.15%
Product 24 mo. Certificate
Dividend Rate 1.24%
APY* 1.25%
Product 36 mo. Certificate
Dividend Rate 1.49%
APY* 1.50%
Product 48 mo. Certificate
Dividend Rate 1.74%
APY* 1.75%
Product 60 mo. Certificate
Dividend Rate 1.98%
APY* 2.00%
  • Minimum Opening Balance: $100
  • Minimum Required Balance: $100
  • Dividend: Compounded monthly; credited monthly
  • Additional Deposit: Permitted for 6 and 12 month Certificates only
  • Dividend Withdrawal: Allowed
  • IRS contribution limits and penalties apply
  • Early withdrawal penalties apply
  • Fees may reduce earnings
  • * APY = Annual Percentage Yield

IRA Jumbo Certificate Rates - Over $100,000

Product
Dividend Rate
APY*
Product 6 mo. Certificate
Dividend Rate 0.80%
APY* 0.80%
Product 12 mo. Certificate
Dividend Rate 1.09%
APY* 1.10%
Product 24 mo. Certificate
Dividend Rate 1.34%
APY* 1.35%
Product 60 mo. Certificate
Dividend Rate 2.08%
APY* 2.10%
  • Minimum Opening Balance: $100,000
  • Minimum Required Balance: $100,000
  • Dividend: Compounded monthly; credited monthly
  • Additional Deposit: Permitted for 6 and 12 month Certificates only
  • Dividend Withdrawal: Allowed
  • IRS contribution limits and penalties apply
  • Early withdrawal penalties apply
  • Fees may reduce earnings
  • * APY = Annual Percentage Yield

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency