Savings & Certificates

Create a strong foundation

Whatever your goals are, our accounts help you reach them. Keep your savings on-track with automatic monthly transfers, and manage your money anytime with our free Mobile* & Online Banking. And keep in mind, your funds are federally insured by the NCUA. 

  Money Market Savings Account Performance Money Market Savings Account QuickStart Savings Account Smart Savings Account Kids Savings Account
(under 18)1
Coverdell Education 
Savings Account**
Certificate Account2 IRA Certificate Account2
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ATM Access            


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Minimum Opening Balance $1,000 $25,000

(25% of the opening deposit must be new money)

(first $5K must be new money)
$25 $25 $25 $1,000 $1,000
Minimum Average Daily Balance to waive the monthly fee $1,000 $0 $0 $25 $0 $0 $1,000 $1,000
Monthly service fee $10 $0 $0 $5 $0 $0 $0 $0

Savings & Certificate Account Disclosures
1 ATM Card must be authorized by a financially responsible joint owner. 
Early withdrawal penalties apply.
Rates available as of 2/12/2024; subject to change without notice. Share account rates are subject to change after account opening except for Education Savings Accounts, which have a fixed dividend rate and APY. Certificate rates are fixed for the term of the certificate unless a direct deposit bonus applies (see “Savings Rates” below for more information). Fees may reduce earnings.

*Mobile carrier rates may apply.

**A Coverdell Education Savings Account (ESA), formerly known as an Education IRA, provides tax-free, fixed-rate asset growth for education costs from kindergarten on up. Eligible individuals may contribute up to $2,000 per year on behalf of a child up to age 18. There are income guidelines to establish a Coverdell plan, and you should consult a tax advisor for your specific situation.