Accounts
Six accounts, one membership.
Every account here shares the same membership — open one, and the rest are just a form away. Jump to the one you're curious about, or read straight through.
Checking
Spend without the fine print.
- No minimum balance required
- No per-check charges
- Upgrade to E-Share Draft to earn dividends
- E-Share Draft requires Direct Deposit & E-Statements
At a glance
| Share Draft | 0.00% APY |
|---|---|
| E-Share Draft | 0.25% APY |
| Minimum balance | None |
Savings
Where your membership starts.
- $5 opens and maintains your membership
- $100 balance starts earning dividends
- Dividends posted monthly
- Federally insured up to $250,000 by NCUA
At a glance
| A.P.Y. | 0.05% |
|---|---|
| Minimum to open | $5.00 |
| Minimum to earn | $100.00 |
Money Market
A stronger rate, still within reach.
- Higher dividend rate than regular savings
- Funds stay liquid — no term commitment
- Dividends posted monthly
- Federally insured up to $250,000 by NCUA
At a glance
| A.P.Y. | 0.90% |
|---|---|
| Minimum balance | $250.00 |
Certificates
Lock in a rate, watch it grow.
- Terms from 6 to 60 months
- Rate is locked for the full term
- Dividends compounded monthly
- Automatically renews if we don't hear from you
At a glance
| 12 Month | 3.50% APY |
|---|---|
| 36 Month | 2.85% APY |
| 60 Month | 2.25% APY |
| Minimum to open | $500.00 |
IRAs
Retirement savings, on your terms.
- IRA Accumulation Account for ongoing contributions
- IRA Certificates available at the same terms as our CDs
- No minimum balance to open an Accumulation Account
- Insured up to $250,000 by NCUA, separately from your other accounts
At a glance
| IRA Accumulation | 0.35% APY |
|---|---|
| IRA Certificates | CD rates apply |
| Minimum to open | N/A |
Christmas & Vacation Club
Save a little all year for one big payoff.
- Set aside a little at a time toward the holidays or a trip
- Christmas Club balances move to savings automatically on November 1st
- One withdrawal allowed quarterly from Vacation Club accounts
- Dividends posted monthly
At a glance
| A.P.Y. | 0.30% |
|---|---|
| Minimum to earn | $100.00 |