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 | |
|---|---|---|---|---|---|---|---|---|
| Open | Open | Open | Open | Open | Open | Open | Open | |
| ATM Access | ||||||||
|
Dividends3 |
View rates | View rates | View rates | View rates | View rates | View rates | View rates | View rates |
| Minimum Opening Balance | $1,000 | $25,000 (25% of the opening deposit must be new money) |
None (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.
2 Early withdrawal penalties apply.
3 Rates available as of 8/16/2023; 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.