Personal Checking & Savings Rates

Checking Accounts

We have two great checking account options, and our Interest Reward Checking offers a competitive dividend rate with a low minimum balance of $200.

Learn about Interest Reward Checking →

AccountDividend RateAPY*
INTEREST REWARD CHECKING†
Balances of $200–$25,0000.125%
Dividend Rate
0.125%
APY*
Balance portion greater than $25,0000.100%
Dividend Rate
0.100%
APY*
Dividend RateAPY*
MEMBERSHIP SAVINGS
All balances0.100%
Dividend Rate
0.100%
APY*
Dividend RateAPY*
SHARES II SAVINGS
All balances0.100%
Dividend Rate
0.100%
APY*
Dividend RateAPY*
WINCENTIVE® SAVINGS ACCOUNT
All balances0.100%
Dividend Rate
0.100%
APY*
Dividend RateAPY*
INVESTMENT ACCOUNTS
Traditional, Roth & SEP IRA0.4999%
Dividend Rate
0.500%
APY*
AccountDividend RateAPY*Compound Frequency
SUPERIOR MONEY MARKET1
If requirements are met
Dividend Rate
APY*
Compound Frequency
Balances up to $25,0000.995%
Dividend Rate
1.000%
APY*
Monthly
Compound Frequency
Balances over $25,0000.499%
Dividend Rate
0.500%
APY*
Monthly
Compound Frequency
If requirements are not met
Dividend Rate
APY*
Compound Frequency
All balance tiers0.100%
Dividend Rate
0.100%
APY*
Monthly
Compound Frequency
Dividend RateAPY*Compound Frequency
CAPITOL MONEY MARKET
Balances of $2,000–$4,9990.150%
Dividend Rate
0.150%
APY*
Monthly
Compound Frequency
Balances of $5,000+0.250%
Dividend Rate
0.250%
APY*
Monthly
Compound Frequency
Dividend RateAPY*Compound Frequency
A+ MONEY MARKET
Balances of $10,000+0.300%
Dividend Rate
0.300%
APY*
Monthly
Compound Frequency
Dividend RateAPY*Compound Frequency
NOVA MONEY MARKET
Balances of $25,000+0.499%
Dividend Rate
0.500%
APY*
Monthly
Compound Frequency
TermDividend RateAPY*
BASIC CERTIFICATES
3 month0.399%
Dividend Rate
0.400%
APY*
6 month0.449%
Dividend Rate
0.450%
APY*
12 month‡0.648%
Dividend Rate
0.650%
APY*
18 month0.747%
Dividend Rate
0.750%
APY*
24 month0.747%
Dividend Rate
0.750%
APY*
30 month0.847%
Dividend Rate
0.850%
APY*
36 month‡0.946%
Dividend Rate
0.950%
APY*
48 month1.193%
Dividend Rate
1.200%
APY*
60 month‡1.490%
Dividend Rate
1.500%
APY*
TermDividend RateAPY*
WAHOO CERTIFICATE
12 month‡0.499%
Dividend Rate
0.500%
APY*
TermDividend RateAPY*
CERTIFICATE BUILDER
12 month‡0.549%
Dividend Rate
0.550%
APY*

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Automatic savings in your wallet

With Stash Your Cash, spending with your Affinity Plus Visa® debit card rounds purchases to the next whole dollar. The spare change goes right to your savings account, just like that.

General Rate Disclosures

Personal Checking Disclosures

Money Market Disclosures

Certificate Disclosures

1 To earn the higher dividend rate for the Superior Money Market account, you must have direct deposit of $500 minimum each month (payroll, Social Security or unemployment) to any Affinity Plus checking, savings or money market account and be enrolled in digital statements. If you don't meet these requirements for a month, you'll receive a rate of 0.100% for that month. One Superior Money Market per membership.

* APY = Annual Percentage Yield. Fees may reduce the earnings on these accounts and are subject to change at any time. Dividends are compounded monthly. Rules governing these accounts are available upon request. View our Truth-in-Savings Disclosure for important account information.

Rates effective January 1, 2021 and subject to change at any time without notice.

† Balances below $200 do not earn dividends and may incur a minimum balance fee. Any portion greater than $25,000 will earn the Membership Savings rate for balances greater than $500, which is currently 0.100% APY.

‡ Available as an Individual Retirement Account (IRA) Certificate. IRA Certificate dividends must accrue on the certificate.

Current Rates
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