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 October 5, 2020.

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+: 0.80% APY
  • $100k+: 1.08% 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+: 0.40% APY
  • $100k+: 0.61% APY
Term (in months): 6

Annual Percentage Yield:

  • Up to $50k: 0.35% APY
  • $50k+: 0.50% APY
  • $100k+: 0.66% 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+: 0.60% APY
  • $100k+: 0.82% APY
Term (in months): 18

Annual Percentage Yield:

  • Up to $50k: 0.50% APY
  • $50k+: 0.65% APY
  • $100k+: 0.91% APY
Term (in months): 24

Annual Percentage Yield:

  • Up to $50k: 0.55% APY
  • $50k+: 0.70% APY
  • $100k+: 0.97% APY

Investment Certificate

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

Term (in months): *30

Annual Percentage Yield:

  • Up to $50k: 0.60% APY
  • $50k+: 0.75% APY
  • $100k+: 1.01% 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: 0.65% APY
  • $50k+: 0.80% APY
  • $100k+: 1.01% APY
Term (in months): 48

Annual Percentage Yield:

  • Up to $50k: 0.70% APY
  • $50k+: 0.85% APY
  • $100k+: 1.11% APY
Term (in months): 60

Annual Percentage Yield:

  • Up to $50k: 0.75% APY
  • $50k+: 0.90% APY
  • $100k+: 1.35% 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+: 0.60% APY
  • $100k+: 0.82% APY
Term (in months): 18

Annual Percentage Yield:

  • Up to $50k: 0.50% APY
  • $50k+: 0.65% APY
  • $100k+: 0.91% APY
Term (in months): 24

Annual Percentage Yield:

  • Up to $50k: 0.55% APY
  • $50k+: 0.70% APY
  • $100k+: 0.97% APY
Term (in months): 30

Annual Percentage Yield:

  • Up to $50k: 0.60% APY
  • $50k+: 0.75% APY
  • $100k+: 1.11% APY
Term (in months): 36

Annual Percentage Yield:

  • Up to $50k: 0.65% APY
  • $50k+: 0.80% APY
  • $100k+: 1.01% APY
Term (in months): 48

Annual Percentage Yield:

  • Up to $50k: 0.70% APY
  • $50k+: 1.05% APY
  • $100k+: 1.11% APY
Term (in months): 60

Annual Percentage Yield:

  • Up to $50k: 0.75% APY
  • $50k+: 0.90% APY
  • $100k+: 1.35% APY