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Share Rates

Account Type Minimum Balance to Open
/ Earn Dividends
Rate APY Rate Type
Regular Savings $25 / $100 - 4,999
$25 / $5,000 - 24,999
$25 / $25,000 - 99,999
$25 / $100,000+
0.050%
0.060%
0.100%
0.150%
0.05%
0.06%
0.10%
0.15%
Variable
YES Club $25 / $100+ 0.100% 0.10% Variable
IRA Shares $0 / $100+ 0.100% 0.10% Variable
Custom/Dream Share Account $1 / $100 - 4,999
$1 / $5,000 - 24,999
$1 / $25,000 - 99,999
$1 / $100,000+
0.050%
0.060%
0.100%
0.150%
0.05%
0.06%
0.10%
0.15%
Variable
Extreme Savings $0 / $1+ 0.499% 0.50% Variable
Health Savings Account (HSA) $0 / $300+ 0.200% 0.20% Variable
Dividend Checking $100 / $300+ 0.040% 0.04% Variable
Money Market Checking $5,000 / $5,000 - $19,999
$5,000 / $20,000+
0.040%
0.050%
0.04%
0.05%
Variable
Better Than Free Checking $0 / Up to $500 0.995% 1.00% Variable
Ultimate Checking $50,000 / $50,000 - $99,999
$50,000 / $100,000 +
0.060%
0.100%
0.06%
0.10%
Variable
Premier Money Market or IRA Premier $2,500 / $2,500 - 9,999
$2,500 / $10,000 - 24,999
$2,500 / $25,000+
0.200%
0.250%
0.300%
0.20%
0.25%
0.30%
Variable
Premier PLUS Money Market or IRA Premier PLUS $50,000 / $50,000 - 99,999
$50,000 / $100,000 - 249,999
$50,000 / $250,000+
0.300%
0.349%
0.399%
0.30%
0.35%
0.40%
Variable
Silver Money Market
Gold Money Market
Platinum Money Market
$35,000 / $35,000 +
$75,000 / $75,000 +
$150,000 / $150,000 - $249,999
$150,000 / $250,000 - $499,999
$150,000 / $500,000 +
0.549%
0.598%
0.648%
0.698%
0.747%
0.55%
0.60%
0.65%
0.70%
0.75%
Variable
Variable
Variable

Certificate Rates

Share & IRA Certificates $500 Min. Balance $10,000 Min. Balance $50,000 Min. Balance $100,000 Min. Balance Rate Type
Rate APY Rate APY Rate APY Rate APY
3-5 Month Certificate 0.349% 0.35% 0.349% 0.35% 0.399% 0.40% 0.399% 0.40% Fixed
6-11 Month Certificate 0.549% 0.55% 0.549% 0.55% 0.598% 0.60% 0.598% 0.60% Fixed
*12-17 Month Certificate 0.797% 0.80% 0.797% 0.80% 0.847% 0.85% 0.847% 0.85% Fixed
18-23 Month Certificate 0.847% 0.85% 0.847% 0.85% 0.896% 0.90% 0.896% 0.90% Fixed
24-29 Month Certificate** 0.995% 1.00% 0.995% 1.00% 1.094% 1.10% 1.094% 1.10% Fixed
30-35 Month Certificate** 1.045% 1.05% 1.045% 1.05% 1.193% 1.20% 1.193% 1.20% Fixed
36-47 Month Certificate 1.292% 1.30% 1.292% 1.30% 1.342% 1.35% 1.342% 1.35% Fixed
48-59 Month Certificate 1.588% 1.60% 1.588% 1.60% 1.638% 1.65% 1.638% 1.65% Fixed
60-71 Month Certificate** 1.834% 1.85% 1.834% 1.85% 1.884% 1.90% 1.933% 1.95% Fixed
72-83 Month Certificate 1.884% 1.90% 1.884% 1.90% 1.933% 1.95% 1.982% 2.00% Fixed
84 Month Certificate 1.933% 1.95% 1.933% 1.95% 1.982% 2.00% 2.031% 2.05% Fixed

Rate = Dividend Rate.
APY = Annual Percentage Yield. Rates and terms are subject to change without notice.
Rates Effective: 10/15/2018.
*Y.E.S. Club Certificates pay the same as a 12 month certificate with $250 minimum balance. Deposits to Y.E.S. Club certificates can be made in amounts greater than $10.