Skip to main content

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 +
0.040%
0.040%
0.040%
0.04%
0.04%
0.04%
Variable
IRA Shares $0 / $100+ 0.070% 0.07% Variable
Custom/Dream Share Account $1 / $100 - 4,999
$1 / 5,000 - 24,999
$1 / 25,000 +
0.040%
0.040%
0.040%
0.04%
0.04%
0.04%
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+ 0.020% 0.02% Variable
Money Market Checking $5,000 / $5,000 - $19,999
$5,000 / $20,000+
0.030%
0.040%
0.03%
0.04%
Variable
Better Than Free Checking $0 / Up to $500 1.985% 2.00% Variable
Ultimate Checking $50,000 / $50,000 - $99,999
$50,000 / $100,000 +
0.050%
0.100%
0.05%
0.10%
Variable
Money Market Savings Account $0 / $300 - $2,499
$0 / $2,500 - $9,999
$0 / $10,000 +
0.040%
0.050%
0.060%
0.04%
0.05%
0.06%
Variable
Premier Money Market or IRA Premier $2,500 / $2,500 - $9,999
$2,500 / $10,000 - $24,999
$2,500 / $25,000+
0.060%
0.080%
0.100%
0.06%
0.08%
0.10%
Variable
Premier PLUS Money Market or IRA Premier PLUS $50,000 / $50,000 - $99,999
$50,000 / $100,000+
0.100%
0.150%
0.10%
0.15%
Variable
Silver Money Market
Gold Money Market
Platinum Money Market
$35,000 / $35,000 +
$75,000 / $75,000 +
$150,000 / $150,000 +
0.250%
0.300%
0.349%
0.25%
0.30%
0.35%
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 0.250% 0.25% 0.250% 0.25% 0.300% 0.30% 0.300% 0.30% Fixed
6-11 Month Certificate 0.399% 0.40% 0.399% 0.40% 0.399% 0.40% 0.449% 0.45% Fixed
*12-17 Month Certificate 0.549% 0.55% 0.549% 0.55% 0.598% 0.60% 0.598% 0.60% Fixed
18-23 Month Certificate 0.598% 0.60% 0.598% 0.60% 0.648% 0.65% 0.648% 0.65% Fixed
24-29 Month Certificate** 0.747% 0.75% 0.747% 0.75% 0.747% 0.75% 0.797% 0.80% Fixed
30-35 Month Certificate** 0.896% 0.90% 0.896% 0.90% 0.896% 0.90% 0.946% 0.95% Fixed
36-47 Month Certificate 1.094% 1.10% 1.094% 1.10% 1.094% 1.10% 1.144% 1.15% Fixed
48-59 Month Certificate 1.391% 1.40% 1.391% 1.40% 1.440% 1.45% 1.440% 1.45% Fixed
60-71 Month Certificate** 1.736% 1.75% 1.736% 1.75% 1.785% 1.80% 1.834% 1.85% Fixed
72-83 Month Certificate 1.785% 1.80% 1.785% 1.80% 1.834% 1.85% 1.884% 1.90% Fixed
84 Month Certificate 1.834% 1.85% 1.834% 1.85% 1.884% 1.90% 1.933% 1.95% Fixed

Rate = Dividend Rate.
APY = Annual Percentage Yield. Rates and terms are subject to change without notice.
Rates Effective: 04/20/2018.
*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.