Deposit Rates
Bigger numbers are better. And really, we're always trying to do what's best for you.
As a credit union, our mission is to lift your finances to new levels. One way we do that is to set higher rates for savings, money market, certificate and IRA accounts.
Think of it as a team effort. You get things started by depositing your hard-earned dollars. Then we pick up the ball and pay dividends that help grow your wealth.
Primary Share Savings
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| Less than $2,500 | 0.00% | 0.00% |
| $2,500-$9,999.99 | 0.05% | 0.05% |
| $10,000-$99,999.99 | 0.10% | 0.10% |
| $100,000 and greater | 0.15% | 0.15% |
Boost High-Yield Savings
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| No Minimum | 2.96% | 3.00% |
Choice Savings
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| Less than $2,500 | 0.00% | 0.00% |
| $2,500-$9,999.99 | 0.05% | 0.05% |
| $10,000-$99,999.99 | 0.10% | 0.10% |
| $100,000 and greater | 0.15% | 0.15% |
IRA Savings
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| No Minimum | 0.25% | 0.25% |
World Checking
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| Less than $50,000 | 0.05% | 0.05% |
| $50,000 and greater | 0.15% | 0.15% |
Ultimate Checking
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| Up to $10,000 | 2.96% | 3.00% |
| Greater than $10,000 | 0.10% | 0.10% |
Must have statement delivered as eStatement and have at least 15 non-ATM debit card transactions, each equaling $5 or more during the monthly statement period, or no dividends will be paid.
HSA Checking
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| No Minimum Balance | 0.60% | 0.60% |
| Term | APY* | Rate | Minimum Opening Balance | Effective Date |
|---|---|---|---|---|
| 10-Month | 5.27% | 5.15% | $500 | 09/13/2024 |
| 10-Month IRA | 5.28% | 5.18% | $500 | 09/13/2024 |
| 15-Month | 5.33% | 5.20% | $500 | 09/13/2024 |
| 15-Month IRA | 5.34% | 5.24% | $500 | 09/13/2024 |
| 20-Month | 4.91% | 4.80% | $500 | 09/13/2024 |
| 20-Month IRA | 4.92% | 4.83% | $500 | 09/13/2024 |
| 37-Month | 4.60% | 4.51% | $500 | 09/13/2024 |
| 37-Month IRA | 4.61% | 4.53% | $500 | 09/13/2024 |
*APY = Annual Percentage Yield. APY accurate as of the effective date listed for the respective certificate. Limited time only and subject to termination without notice. Minimum balance required to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings. Not available on HSA certificates. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice. Dividends for standard Share Certificates are compounded monthly and dividends for IRA Share Certificates are compounded quarterly. Dividends must remain in account for the entire term to earn APY. All Certificates funded via Electronic Transfer (ACH), or with a Debit or Credit Card, will have a five (five) business day hold. Open IRA Certificates at a branch, not available online.
Share Certificates
| Term | Minimum Opening Balance | Rate | APY* |
|---|---|---|---|
| 6 mo | $500 | 1.18% | 1.19% |
| 12 mo | $500 | 1.35% | 1.36% |
| 18 mo | $500 | 1.61% | 1.62% |
| 24 mo | $500 | 2.20% | 2.22% |
| 36 mo | $500 | 2.62% | 2.65% |
| 60 mo | $500 | 2.80% | 2.84% |
| 72 mo | $500 | 3.00% | 3.04% |
Dividends for Share Certificates are compounded monthly. Dividends must remain in the account for the entire term to earn APY. Certificates are subject to early withdrawal penalty, which may reduce earnings. All Certificates funded via Electronic Transfer (ACH), or with a Debit or Credit Card, will have a five (five) business day hold. Open IRA Certificates at a branch, not available online.
IRA Certificates
| Term | Minimum Opening Balance | Rate | APY* |
|---|---|---|---|
| 6 mo | $500 | 1.21% | 1.22% |
| 12 mo | $500 | 1.38% | 1.39% |
| 18 mo | $500 | 1.64% | 1.65% |
| 24 mo | $500 | 2.23% | 2.25% |
| 36 mo | $500 | 2.65% | 2.68% |
| 60 mo | $500 | 2.83% | 2.86% |
| 72 mo | $500 | 3.03% | 3.06% |
Dividends for Share Certificates are compounded monthly. Dividends must remain in the account for the entire term to earn APY. Certificates are subject to early withdrawal penalty, which may reduce earnings. Open IRA Certificates at a branch, not available online.
HSA Certificates
| Term | Minimum Opening Balance | Rate | APY* |
|---|---|---|---|
| 12 mo | $500 | 1.40% | 1.41% |
| 36 mo | $500 | 2.70% | 2.73% |
| 60 mo | $500 | 2.90% | 2.93% |
Dividends for HSA Certificates are compounded quarterly. Dividends must remain in the account for the entire term to earn APY. Certificates are subject to early withdrawal penalty, which may reduce earnings.
Premium Money Market Rates
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| Less than $100,000 | 0.75% | 0.75% |
| $100,000 and Greater | 1.25% | 1.26% |
Dividends earned are tiered based on average daily Premium Money Market Account balance. They are compounded daily and paid monthly.
Ultra Money Market Rates
Ultra Money Market accounts can only be opened at an Everwise branch. Find a location near you| Average Minimum Balance | Rate | APY* |
|---|---|---|
| Less than $50,000 | 0.00% | 0.00% |
| $50,000 and Greater | 4.08% | 4.16% |
Ultra Money Market rate is calculated by using the Federal Reserve Bank’s Federal Funds Rate posted on the last business day of the prior dividend period, less 75 basis points. Dividends are compounded daily and paid monthly.
To qualify for an Ultra Money Market account, you must have at least $100,000 in combined funds (shares, loans, investments) on the last day of the prior dividend period to be eligible for the current dividend period. Minimum opening balance is $50,000. Minimum balance requirement is $50,000. If the balance falls below $50,000, no dividends will be paid. Account must be opened in-person at an Everwise branch location.
To qualify for an Ultra Money Market account, you must have at least $100,000 in combined funds (shares, loans, investments) on the last day of the prior dividend period to be eligible for the current dividend period. Minimum opening balance is $50,000. Minimum balance requirement is $50,000. If the balance falls below $50,000, no dividends will be paid. Account must be opened in-person at an Everwise branch location.
IRA Share
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| No Minimum | 0.25% | 0.25% |
Tiered IRA Share
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| Less than $10,000 | 0.10% | 0.10% |
| $10,000 and Greater | 0.25% | 0.25% |
IRA Certificates
| Term | Minimum Opening Balance | Rate | APY* |
|---|---|---|---|
| 6 mo | $500 | 1.21% | 1.22% |
| 12 mo | $500 | 1.38% | 1.39% |
| 18 mo | $500 | 1.64% | 1.65% |
| 24 mo | $500 | 2.23% | 2.25% |
| 36 mo | $500 | 2.65% | 2.68% |
| 60 mo | $500 | 2.83% | 2.86% |
| 72 mo | $500 | 3.03% | 3.06% |
Dividends for IRA Share Certificates are compounded quarterly. Dividends must remain in the account for the entire term to earn APY. Certificates are subject to early withdrawal penalty, which may reduce earnings.
HSA Checking
| Average Minimum Balance | Rate | APY* |
|---|---|---|
| No Minimum Balance | 0.60% | 0.60% |
Dividends are compounded monthly and paid monthly. Check out our HSA FAQs to learn more about maximum contribution amounts, catch-up amount for participants over 55 years of age, and other information. Fees and restrictions may apply as described in the common features.
HSA Certificates
| Term | Minimum Opening Balance | Rate | APY* |
|---|---|---|---|
| 12 mo | $500 | 1.40% | 1.41% |
| 36 mo | $500 | 2.70% | 2.73% |
| 60 mo | $500 | 2.90% | 2.93% |
Dividends for HSA Certificates are compounded quarterly. Dividends must remain in the account for the entire term to earn APY. Certificates are subject to early withdrawal penalty, which may reduce earnings.
*APY = Annual Percentage Yield. Rate refers to dividend rate. APY accurate as of the dates posted for the respective deposit product. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice. Fees may reduce earnings. All Certificates funded via Electronic Transfer (ACH,) or with a Debit or Credit Card, will have a five (five) business day hold. Current rates are subject to change. All accounts are under the terms and conditions of the respective account.