Personal Savings Rates

Savings Accounts

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Account Dividend Rate APY*
MEMBERSHIP SAVINGS
All balances 0.100% 0.100%
SHARES II SAVINGS
All balances 0.100% 0.100%
WINCENTIVE® SAVINGS ACCOUNT
All balances 0.100% 0.100%
INVESTMENT ACCOUNTS
Traditional & Roth 1.982% 2.000%
 

Money Markets

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Account Dividend Rate APY* Compound Frequency
SUPERIOR MONEY MARKET1
If requirements are met
Balances up to $25,000 3.348% 3.400% Monthly
Balances over $25,000 3.057% 3.100% Monthly
If requirements are not met
All balance tiers 0.100% 0.100% Monthly
CAPITOL MONEY MARKET
Balances of $2,000–$4,999 2.227% 2.250% Monthly
Balances of $5,000+ 2.325% 2.350% Monthly
A+ MONEY MARKET
Balances of $10,000+ 2.472% 2.500% Monthly
NOVA MONEY MARKET
Balances of $25,000+ 3.057% 3.100% Monthly
Term Dividend Rate APY* Minimum Balance
BASIC CERTIFICATES
3 month 3.735% 3.800% $500
6 month 3.639% 3.700% $500
9 month** 3.542% 3.600% $500
12 month
Available as an IRA‡
 3.445% 3.500% $500
13 month**
 3.542% 3.600% $500
18 month
 3.445% 3.500% $500
24 month
 3.445% 3.500% $500
30 month
 3.203% 3.250% $500
36 month
Available as an IRA‡
 3.542% 3.600% $500
42 month**
 2.960% 3.000% $500
48 month
 3.639% 3.700% $500
54 month**
 2.960% 3.000% $500
60 month
Available as an IRA‡
 3.735% 3.800% $500
66 month** 2.960% 3.000% $500
WAHOO CERTIFICATE
12 month
Available as an IRA‡
 0.995% 1.000% $0
CERTIFICATE BUILDER
12 month
Available as an IRA‡
 0.995% 1.000% $100
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Personal Savings General Rate Disclosures

* 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 Disclosures for important account information.


Rates effective September 3, 2025 and subject to change at any time without notice.


Money Market 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% APY 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 Disclosures for important account information.


Certificate Disclosures

Early withdrawal penalties may apply if you withdraw funds from your account before the maturity date. For Wahoo Certificate accounts, you may make one withdrawal without penalty.

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