Available certificate rates are listed below.

Rates are subject to change. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Early withdrawal penalties may apply. Certificate rates are fixed for the term of the account. APY = Annual Percentage Yield. Rates current as of December 12, 2018.

Money Circus Account Certificate

Ages 0 – 12

Term (in months): 12
Minimum to Open: $100
Minimum to Earn Dividends: $100
Annual Percentage Yield (APY): 1.36%

Y Account Certificate

Ages 13 – 17

Term (in months): 12
Minimum to Open: $500
Minimum to Earn Dividends: $500
Annual Percentage Yield (APY): 1.36%

U29 Account Certificate

Ages 18 – 29

Term (in months): 12
Minimum to Open: $500
Minimum to Earn Dividends: $500
Annual Percentage Yield (APY): 1.36%

EASY STREET Account Certificate

Ages 50 or Better

Term (in months): 24
Minimum to Open: $1,000
Minimum to Earn Dividends: $1,000
Annual Percentage Yield:

  • Up to $50k: 1.87% APY
  • $50k+: 2.38% APY
  • $100k+: 2.48% APY

Money Market Account Certificates

Minimum to Open: $1,000
Minimum to Earn Dividends: $1,000

Term (in months): 3

Annual Percentage Yield:

  • Up to $50k: 0.70% APY
  • $50k+: 1.21% APY
  • $100k+: 1.31% APY
Term (in months): 6

Annual Percentage Yield:

  • Up to $50k: 0.85% APY
  • $50k+: 1.36% APY
  • $100k+: 1.46% APY

Investment Certificate

Minimum to Open: $1,000
Minimum to Earn Dividends: $1,000

Term (in months): 12

Annual Percentage Yield:

  • Up to $50k: 1.36% APY
  • $50k+: 1.87% APY
  • $100k+: 1.97% APY
Term (in months): 18

Annual Percentage Yield:

  • Up to $50k: 1.46% APY
  • $50k+: 1.97% APY
  • $100k+: 2.07% APY
Term (in months): 24

Annual Percentage Yield:

  • Up to $50k: 1.77% APY
  • $50k+: 2.28% APY
  • $100k+: 2.38% APY

Investment Certificate

Minimum to Open: $1,000
Minimum to Earn Dividends: $1,000

Term (in months): *30

Annual Percentage Yield:

  • Up to $50k: 1.77% APY
  • $50k+: 2.28% APY
  • $100k+: 2.38% APY

*Our 30 month certificate is offered to members with a "Bump" option. This means they can bump up their rate to the current 30 month rate one time during the initial or renewal term of the certificate.

Term (in months): 36

Annual Percentage Yield:

  • Up to $50k: 2.01% APY
  • $50k+: 2.52% APY
  • $100k+: 2.62% APY
Term (in months): 48

Annual Percentage Yield:

  • Up to $50k: 2.11% APY
  • $50k+: 2.62% APY
  • $100k+: 2.73% APY
Term (in months): 60

Annual Percentage Yield:

  • Up to $50k: 2.52% APY
  • $50k+: 3.04% APY
  • $100k+: 3.14% APY

IRA Certificate

Minimum to Open: $1,000
Minimum to Earn Dividends: $1,000

Term (in months): 12

Annual Percentage Yield:

  • Up to $50k: 1.36% APY
  • $50k+: 1.87% APY
  • $100k+: 1.97% APY
Term (in months): 18

Annual Percentage Yield:

  • Up to $50k: 1.46% APY
  • $50k+: 1.97% APY
  • $100k+: 2.07% APY
Term (in months): 24

Annual Percentage Yield:

  • Up to $50k: 1.77% APY
  • $50k+: 2.28% APY
  • $100k+: 2.38% APY
Term (in months): 30

Annual Percentage Yield:

  • Up to $50k: 1.77% APY
  • $50k+: 2.28% APY
  • $100k+: 2.38% APY
Term (in months): 36

Annual Percentage Yield:

  • Up to $50k: 2.01% APY
  • $50k+: 2.52% APY
  • $100k+: 2.62% APY
Term (in months): 48

Annual Percentage Yield:

  • Up to $50k: 2.11% APY
  • $50k+: 2.62% APY
  • $100k+: 2.73% APY

 

Term (in months): 60

Annual Percentage Yield:

  • Up to $50k: 2.52% APY
  • $50k+: 3.04% APY
  • $100k+: 3.14% APY