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
| Balance Required to Earn Dividends | 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% |
*APY = Annual Percentage Yield. Rate refers to dividend rate. APY accurate as of the last dividend declaration date. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice. Fees may reduce earnings.
Boost High-Yield Savings
| Balance Required to Earn Dividends | Rate | APY* |
|---|---|---|
| No Minimum | 2.96% | 3.00% |
*APY = Annual Percentage Yield. Rate refers to dividend rate. APY accurate as of the last dividend declaration date. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice. Fees may reduce earnings. Dividends will be paid monthly on your Boost Savings account balance if you have direct deposits totaling at least $4,000 going into a consumer checking account (excluding HSAs) under the same Everwise membership as the Boost Savings during the prior dividend period. Dividends will be paid automatically for the first two (2) dividend periods starting from the account opening date. After the first two initial dividend periods, dividends will be paid based upon meeting the Boost Dividend Qualifications. If you do not meet the Boost Dividend Qualifications no dividends (0.00%) will be paid.
Choice Savings
| Balance Required to Earn Dividends | 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% |
*APY = Annual Percentage Yield. Rate refers to dividend rate. APY accurate as of the last dividend declaration date. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice. Fees may reduce earnings.
IRA Savings
| Balance Required to Earn Dividends | Rate | APY* |
|---|---|---|
| No Minimum | 0.25% | 0.25% |
*APY = Annual Percentage Yield. Rate refers to dividend rate. APY accurate as of the last dividend declaration date. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice. Fees may reduce earnings.
World Checking
| Balance Required to Earn Dividends | Rate | APY* |
|---|---|---|
| Less than $50,000 | 0.05% | 0.05% |
| $50,000 and greater | 0.15% | 0.15% |
*APY = Annual Percentage Yield. Rate refers to dividend rate. APY accurate as of the last dividend declaration date. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice. Fees may reduce earnings.
Ultimate Checking
| Balance Required to Earn Dividends | Rate | APY* |
|---|---|---|
| Up to $10,000 | 2.96% | 3.00% |
| Greater than $10,000 | 0.10% | 0.10% |
*APY = Annual Percentage Yield. Rate refers to dividend rate. APY accurate as of the last dividend declaration date. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice. Fees may reduce earnings. 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
| Balance Required to Earn Dividends | Rate | APY* |
|---|---|---|
| No Minimum Balance | 0.60% | 0.60% |
*APY = Annual Percentage Yield. Rate refers to dividend rate. APY accurate as of the last dividend declaration date. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice. Fees may reduce earnings.
| Term | APY* | Rate | Minimum Opening Balance | Effective Date |
|---|---|---|---|---|
| 11-Month | 4.50% | 4.41% | $500 | 3/31/25 |
| 11-Month IRA | 4.51% | 4.44% | $500 | 3/31/25 |
| 15-Month | 4.55% | 4.46% | $500 | 3/31/25 |
| 15-Month IRA | 4.57% | 4.49% | $500 | 3/31/25 |
| 20-Month | 4.60% | 4.51% | $500 | 3/31/25 |
| 20-Month IRA | 4.62% | 4.54% | $500 | 3/31/25 |
| 37-Month | 4.30% | 4.22% | $500 | 3/31/25 |
| 37-Month IRA | 4.31% | 4.24% | $500 | 3/31/25 |
*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% |
*APY = Annual Percentage Yield. APY accurate as of the effective date listed for the respective certificate. Minimum balance required to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice. 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% |
*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. 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% |
*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. 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
| Balance Required to Earn Dividends | Rate | APY* |
|---|---|---|
| Less than $100,000 | 0.75% | 0.75% |
| $100,000 and Greater | 1.25% | 1.26% |
*APY = Annual Percentage Yield. Rate refers to dividend rate. APY accurate as of the last dividend declaration date. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice. Fees may reduce earnings. 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 youEffective Date: January 2, 2025
| Balance Required to Earn Dividends | Rate | APY* |
|---|---|---|
| Less than $50,000 | 0.00% | 0.00% |
| $50,000 and Greater | 3.58% | 3.64% |
*APY = Annual Percentage Yield. Subject to membership requirements. All credit union programs, rates, terms and conditions are subject to change without notice. APY accurate as of the last dividend declaration date. Dividend qualifications: 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. If the balance in the Ultra Money Market falls below $50,000, no dividends will be paid. 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. The minimum APY is 0.00%, and the maximum APY is 7.23%. Account must be opened over the phone or in-person at an Everwise branch location.
IRA Share
| Balance Required to Earn Dividends | Rate | APY* |
|---|---|---|
| No Minimum | 0.25% | 0.25% |
Tiered IRA Share
| Balance Required to Earn Dividends | Rate | APY* |
|---|---|---|
| Less than $10,000 | 0.10% | 0.10% |
| $10,000 and Greater | 0.25% | 0.25% |
*APY = Annual Percentage Yield. Rate refers to dividend rate. APY accurate as of the last dividend declaration date. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice. Fees may reduce earnings.
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% |
*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. 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
| Balance Required to Earn Dividends | Rate | APY* |
|---|---|---|
| No Minimum Balance | 0.60% | 0.60% |
*APY = Annual Percentage Yield. Rate refers to dividend rate. APY accurate as of the last dividend declaration date. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice. 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% |
*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. 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.