Personal Checking & Savings Rates

Effective as of August 1, 2019

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–$25,000†0.125%
Dividend Rate
0.125%
APY*
Dividend RateAPY*
MEMBERSHIP SAVINGS
Balances between $10–$5000.995%
Dividend Rate
1.000%
APY*
Balances of $500+0.100%
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
CAPITOL MONEY MARKET
Balances of $2,000–$4,9990.747%
Dividend Rate
0.750%
APY*
Monthly
Compound Frequency
Balances of $5,000+0.797%
Dividend Rate
0.800%
APY*
Monthly
Compound Frequency
Dividend RateAPY*Compound Frequency
A+ MONEY MARKET
Balances of $10,000+0.995%
Dividend Rate
1.000%
APY*
Monthly
Compound Frequency
Dividend RateAPY*Compound Frequency
NOVA MONEY MARKET
Balances of $25,000+1.243%
Dividend Rate
1.250%
APY*
Monthly
Compound Frequency
TermDividend RateAPY*
BASIC CERTIFICATES
3 month1.243%
Dividend Rate
1.250%
APY*
6 month1.342%
Dividend Rate
1.350%
APY*
12 month‡1.982%
Dividend Rate
2.000%
APY*
18 month2.472%
Dividend Rate
2.500%
APY*
24 month2.472%
Dividend Rate
2.500%
APY*
30 month2.227%
Dividend Rate
2.250%
APY*
36 month‡2.716%
Dividend Rate
2.750%
APY*
48 month2.716%
Dividend Rate
2.750%
APY*
60 month‡2.960%
Dividend Rate
3.000%
APY*
TermDividend RateAPY*
WAHOO CERTIFICATE
12 month‡1.490%
Dividend Rate
1.500%
APY*
TermDividend RateAPY*
CERTIFICATE BUILDER
12 month‡1.736%
Dividend Rate
1.750%
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.

Personal Checking Disclosures

Certificate Disclosures

* APY = Annual Percentage Yield. Rate effective as of today and can change at any time without notice. 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.

† Any portion greater than $25,000 will earn the Membership Savings rate.

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

Current Rates
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