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Rates

Share Account Rates

Savings Account Rates

Membership Savings Account – Minimum Investment $5
Rates Effective: 1/1/2018
Account BalanceDividend RateAPY*
$0.00 – unlimited0.10%0.10%

Checking Account Rates

myChoice Checking Account – $25 Opening Deposit Required
Rates Effective:
Account BalanceDividend RateAPY*
$0.00 - $3,0002.96%3.00%
$3001.00 - unlimited0.05%0.05%
myWallet Checking Account – No Opening Deposit Required
Rates Effective:
Checking Account TypeDividend RateAPY*
myWallet Checking0.00%0.00%

Money Market Account Rates

Money Market Max Account** – Minimum Investment $500
Rates Effective:
Account BalanceTier Dividend RateAPY*
$0.00 – $9,999.990.05%0.05%
$10,000.00 – $24,999.990.05%0.05%
$25,000.00 – $49,999.990.05%0.05%
$50,000.00 – $99,999.990.10%0.10%
$100,000.00 – unlimited0.15%0.15%
Health Savings Account** – Minimum Investment $100
Rates Effective:
Account BalanceTier Dividend RateAPY*
$0.00 – $9,999.990.05%0.05%
$10,000.00 – unlimited0.05%0.05%

IRA Rates

IRA Investment Account – Minimum Investment $100
Rates Effective:
Account Type Dividend RateAPY*
Traditional Share Accounts0.10%0.10%
Roth/Education Share Accounts0.10%0.10%
IRA Certificates – Minimum Investment $1,000
Rates Effective:
Certificate TermsDividend RateAPY*
12 Month Roth/Traditional/Educational0.20%0.20%
24 Month Roth/Traditional/Educational0.40%0.40%
36 Month Roth/Traditional/Educational 0.60%0.60%
48 Month Roth/Traditional/Educational0.70%0.70%
58 Month Roth/Traditional/Educational (Promotional offer for new accounts only – maximum deposit $250,000) 1.19%1.20%
60 Month Roth/Traditional/Educational0.90%0.90%

Certificate Account Rates

Certificate Accounts – Minimum Investment $1,000
Rates Effective:
Certificate TermsDividend RateAPY*
3 Month Certificate0.10%0.10%
6 Month Certificate0.10%0.10%
12 Month Certificate0.20%0.20%
18 Month Certificate0.30%0.30%
24 Month Certificate0.40%0.40%
30 Month Certificate0.50%0.50%
36 Month Certificate 0.60%0.60%
48 Month Certificate0.70%0.70%
58 Month Certificate (Promotional offer for new accounts only – maximum deposit $250,000) 1.19%1.20%
60 Month Certificate0.90%0.90%
84 Month Certificate1.25%1.26%
Health Savings Account (HSA) Certificates – Minimum Investment $500
Rates Effective:
Certificate TermsDividend RateAPY*
HSA 6 Month Certificate0.10%0.10%

Special Certificates for Diamond and Platinum Rewards Members

Special Certificate Accounts – Minimum Investment $25,000
Rates Effective:
Certificate TermsDividend RateAPY*
6 Month Certificate0.20%0.20%
12 Month Certificate0.30%0.30%
24 Month Certificate0.50%0.50%
36 Month Certificate 0.70%0.70%
48 Month Certificate0.80%0.80%
58 Month Certificate (Promotional offer for new accounts only – maximum deposit $250,000) 1.19%1.20%
60 Month Certificate1.00%1.01%

Business Account Rates

Business Savings Account
Rates Effective:
Account BalanceDividend RateAPY*
$0.00 – unlimited0.10%0.10%
Business Checking Account – Opening Deposit $50
Rates Effective:
Checking Account TypeDividend RateAPY*
Business Checking0.00%0.00%
Business Money Market Account**
Rates Effective:
Account BalanceTier Dividend RateAPY*
$0.00 – $9,999.990.05%0.05%
$10,000.00 - unlimited0.10%0.10%
Lawyer Trust IOTA/IOLTA
Rates Effective:
Account TypeRateAPY*
Lawyer Trust IOTA/IOLTA0.10%0.10%

Effective date: 

*APY=Annual Percentage Yield

**Tiered Accounts: Money Market Max and Business Money Market pay the rate on the total balance in the account. HSA Money Market accounts are true tiered accounts. The dividend rate is paid based on the appropriate dollars in that level.

Early withdraw penalties may apply to certificates and IRA certificates accounts.

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