Savings Rates
Next-Level Rates Mean Next-Level Earnings
Saving for a big purchase, looking for guaranteed earnings or need a secure place to keep your money long-term? Check out how much you could be earning with each of our savings options.
Share Savings AccountsFootnote 1
| Product | Minimum Deposit | Term | Dividend Rate | APY |
|---|---|---|---|---|
| Share Savings Account± | $5.00 | None | 0.25% | 0.25% |
| IRA Share Accounts (ESA, Roth, SEP and Traditional) | None | None | 0.25% | 0.25% |
Compounded and credited monthly. Fees may reduce earnings. Offering rates may change.
±A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum.
Money Market Savings Account (MMSA) Rates—Savings, IRA & ESAFootnote 1
| Minimum Deposit | Dividend Rate | APY |
|---|---|---|
| $0–$2,499 | 0.00% | 0.00% |
| $2,500–$9,999 | 0.90% | 0.90% |
| $10,000–$24,999 | 1.00% | 1.00% |
| $25,000–$49,999 | 1.05% | 1.06% |
| $50,000 and over | 1.44% | 1.45% |
Compounded and credited monthly. Must maintain a minimum daily balance of $2,500 to earn dividends. Rates on variable-rate accounts (e.g., Share Savings, Checking, and MMSA) could change after account opening. Fees may reduce earnings.
Jumbo Money Market Savings Account (MMSA) Rates—Savings & IRAFootnote 1
| Minimum Deposit | Dividend Rate | APY |
|---|---|---|
| $0–$99,999 | 0.25% | 0.25% |
| $100,000–$249,999 | 1.59% | 1.60% |
| $250,000–$499,999 | 1.74% | 1.75% |
| $500,000–$999,999 | 1.93% | 1.95% |
| $1,000,000 and over | 2.13% | 2.15% |
Compounded and credited monthly. Rates on variable-rate accounts (e.g., Share Savings, Checking, and MMSA) could change after account opening. Fees may reduce earnings. Should the balance in a Jumbo MMSA account fall below $100,000, the dividend rate paid will be the Savings Account rate for each day the account is below $100,000.
Disclosures
Rates as of 10/22/2025
↵