Rates

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*Rates effective:  12/03/2020

Share Savings Accounts
ProductDividend RateAnnual Percentage Yield (APY)Minimum BalanceHow to Open
Share Savings0.05%0.05%$5Open Now
Open Now
Rates subject to change without notice. See Membership And Account Agreement and Truth in Savings Disclosure for details and fees that may reduce earnings on accounts. Other fees and charges may apply.
Checking Accounts
 Dividend RateAnnual Percentage Yield (APY)Minimum Balance to OpenMinimum Balance to Earn RateHow to Open
Interest Checking0.10%0.10%$0$2,500Open Now
Open Now

*APY= Annual Percentage Yield. Interest earned is based on Average Daily Balance for the month. Earn a dividend rate of 0.10% APY when the average daily balance is $2,500 or greater. Dividends are calculated by the average daily balance method that applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the calendar month. No dividend is earned when the average daily balance is less than $2,500. If the monthly average balance falls below $1,000, then a $5 monthly service charge will apply. A monthly maintenance fee will be applied if the primary member is not enrolled in Scient eStatements thru online banking. This fee is waived if the primary member is under the age of 18 or over the age of 65. **Excludes surcharge imposed by the owner of foreign ATMs. Other terms and conditions may apply. Federally insured by NCUA.
Money Market Accounts
ProductDividend RateAnnual Percentage Yield (APY)Minimum BalanceHow to Open
Money Market0.05%0.05%$ 0 - 2,499.99Open Now
Open Now
0.10%0.10%$ 2,500 - $ 24,999.99
0.15%0.15%$ 25,000 - $ 74,999.99
0.20%0.20%$ 75,000 - $ 249,999.99
0.25%0.25%$ 250,000 and up
Rates subject to change without notice. See Membership And Account Agreement and Truth in Savings Disclosure for details and fees that may reduce earnings on accounts. Other fees and charges may apply.
ProductDividend RateAnnual Percentage Yield (APY)Minimum Balance TiersHow to Open
Premium Money Market0.05%0.05%$ 0 - 2,499.99Open Now
Open Now
0.10%0.10%$ 2,500 - $ 24,999.99
0.20%0.20%$ 25,000 - $ 99,999.99
0.45%0.45%$ 100,000 - $ 249,999.99
0.25%0.25%$ 250,000 and up
Rates subject to change without notice. Minimum amount to open a Premium Money Market Account is $25,000. Limit one Premium Money Market account per Social Security number. Interest earned is based on Average Daily Balance for the month. The Premium Money Market account is a split rate tiered savings account where you earn the stated Annual Percentage Yield (APY) only for the account balance within each tier. Dividends are calculated by the average daily balance method that applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the calendar month. Other terms and conditions may apply. 
Change Maker Savings
ProductDividend RateAnnual Percentage Yield (APY)Minimum BalanceHow to Open
Change Maker Savings Account1.00%1.00%$0Open Now
Rates subject to change without notice. See Membership And Account Agreement and Truth in Savings Disclosure for details and fees that may reduce earnings on accounts. Other fees and charges may apply.
Club Accounts
ProductDividend RateAnnual Percentage Yield (APY)Minimum BalanceHow to Open
Club Account0.05%0.05%$0Open Now
Open Now
Rates subject to change without notice. See Membership And Account Agreement and Truth in Savings Disclosure for details and fees that may reduce earnings on accounts. Other fees and charges may apply.
Share Certificates
 

Share Certificates - Regular Rates

TermDividendAPY*Min. BalanceHow to Open
3 Month0.15%0.15%$500Call us at 877 860 6928 or
Email Us
6 Month0.20%0.20%$500Call us at 877 860 6928 or
Email Us
9 Month 0.25% 0.25%$500Call us at 877 860 6928 or
Email Us
12 Month0.30%0.30%$500Call us at 877 860 6928 or
Email Us
24 Month0.40%0.40%$500Call us at 877 860 6928 or
Email Us
36 Month0.60%0.60%$500Call us at 877 860 6928 or
Email Us
48 Month0.70%0.70%$500Call us at 877 860 6928 or
Email Us
60 Month0.90%0.90%$500Call us at 877 860 6928 or
Email Us
*APY=Annual Percentage Yield. Rates effective August 20, 2020, and subject to change without notice. Penalty for early withdrawals on certificates. See Membership And Account Agreement and Truth in Savings Disclosure for details and fees that may reduce earnings on accounts. Other fees and charges may apply.
IRA Share Certificates
 
TermDividend RateAnnual Percentage Yield (APY)Minimum BalanceHow to Open
12 Month0.30%0.30%$ 500Contact Us
24 Month0.50%0.50%$ 500Contact Us
36 Month0.70%0.70%$ 500Contact Us
48 Month 0.80%0.80%$ 500Contact Us
60 Month1.00%1.00%$ 500Contact Us
Available as Traditional, Roth or Educational/Coverdell
Rates effective as of August 20, 2020. Rates subject to change without notice. Penalty for early withdrawals on certificates. See Membership And Account Agreement and Truth in Savings Disclosure for details and fees that may reduce earnings on accounts. Other fees and charges may apply.
IRA Share Savings Accounts
ProductDividend RateAnnual Percentage Yield (APY)Minimum BalanceHow to Open
Traditional IRA Share Savings0.10%0.10%$0Contact Us
Roth IRA Share Savings0.10%0.10%$0Contact Us
Rates subject to change without notice. See Membership And Account Agreement and Truth in Savings Disclosure for details and fees that may reduce earnings on accounts. Other fees and charges may apply.
Coverdell Education Share Savings Accounts
ProductDividend RateAnnual Percentage Yield (APY)Minimum BalanceHow to Open
Coverdell Educational Share Savings0.10%0.10%$0Contact Us
Rates subject to change without notice. See Membership And Account Agreement and Truth in Savings Disclosure for details and fees that may reduce earnings on accounts. Other fees and charges may apply.