Certificate Rates
Available certificate rates are listed below.
Rates are subject to change at any time without notice. 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. Other restrictions may apply. APY = Annual Percentage Yield. Rates current as of November 30, 2021.
Money Circus Account Certificate
Ages 0 – 12
Term (in months): 12
Minimum to Open: $100
Minimum to Earn Dividends: $100
Annual Percentage Yield (APY): 0.45%
Y Account Certificate
Ages 13 – 17
Term (in months): 12
Minimum to Open: $500
Minimum to Earn Dividends: $500
Annual Percentage Yield (APY): 0.45%
U29 Account Certificate
Ages 18 – 29
Term (in months): 12
Minimum to Open: $500
Minimum to Earn Dividends: $500
Annual Percentage Yield (APY): 0.45%
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: 0.65% APY
- $50k+: 0.70% APY
- $100k+: 0.75% 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: 0.25% APY
- $50k+: 0.30% APY
- $100k+: 0.35% APY
Term (in months): 6
Annual Percentage Yield:
- Up to $50k: 0.35% APY
- $50k+: 0.40% APY
- $100k+: 0.45% APY
Investment Certificate
Minimum to Open: $1,000
Minimum to Earn Dividends: $1,000
Term (in months): 12
Annual Percentage Yield:
- Up to $50k: 0.45% APY
- $50k+: 0.50% APY
- $100k+: 0.55% APY
Term (in months): 18
Annual Percentage Yield:
- Up to $50k: 0.50% APY
- $50k+: 0.55% APY
- $100k+: 0.60% APY
Term (in months): 24
Annual Percentage Yield:
- Up to $50k: 0.55% APY
- $50k+: 0.60% APY
- $100k+: 0.65% APY
Term (in months): 36
Annual Percentage Yield:
- Up to $50k: 0.65% APY
- $50k+: 0.70% APY
- $100k+: 0.75% APY
Term (in months): 48
Annual Percentage Yield:
- Up to $50k: 0.70% APY
- $50k+: 0.75% APY
- $100k+: 0.80% APY
Term (in months): 60
Annual Percentage Yield:
- Up to $50k: 0.75% APY
- $50k+: 0.80% APY
- $100k+: 0.85% APY
IRA Certificate
Minimum to Open: $1,000
Minimum to Earn Dividends: $1,000
Term (in months): 12
Annual Percentage Yield:
- Up to $50k: 0.45% APY
- $50k+: 0.50% APY
- $100k+: 0.55% APY
Term (in months): 18
Annual Percentage Yield:
- Up to $50k: 0.50% APY
- $50k+: 0.55% APY
- $100k+: 0.60% APY
Term (in months): 24
Annual Percentage Yield:
- Up to $50k: 0.55% APY
- $50k+: 0.60% APY
- $100k+: 0.65% APY
Term (in months): 36
Annual Percentage Yield:
- Up to $50k: 0.65% APY
- $50k+: 0.70% APY
- $100k+: 0.75% APY
Term (in months): 48
Annual Percentage Yield:
- Up to $50k: 0.70% APY
- $50k+: 0.75% APY
- $100k+: 0.80% APY
Term (in months): 60
Annual Percentage Yield:
- Up to $50k: 0.75% APY
- $50k+: 0.80% APY
- $100k+: 0.85% APY
