Current Rates

Personal Checking Dividend Rates

Account Minimum Balance Dividend Rate APY*
Interest Reward  $5,000 0.125% 0.125%**
Progressive Checking  $200 0.100% 0.100%

Service Fees

*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. Rules governing these accounts are available upon request. Compounded monthly. 

**Earned on balances $0-$25,000. Any portion greater than $25,000 will earn Membership Savings Rate.

Business Checking Dividend Rates

Account Min. Balance Dividend Rate APY*
Small Business Checking $0 0.050% 0.050%
Commercial Checking $0 0.100% 0.100%

Service Fees

*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. Rules governing these accounts are available upon request. Compounded monthly.

Personal Savings Account Dividend Rates

Account Minimum Balance Dividend Rate APY*
Membership Savings  $10-$500 0.995% 1.000%

$500+ 0.100%  0.100%
 WINcentive Savings Account  $5 0.100% 0.100%
Shares II $0 0.100% 0.100%
Vacation Club Savings $0 0.100% 0.100%
Holiday Club Savings $0 0.100% 0.100%
Traditional, Roth, & SEP IRA $0 0.100% 0.100%

Service Fees

*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. Rules governing these accounts are available upon request. Compounded monthly.

Business Savings Account Dividend Rates

Account Min. Balance Dividend Rate APY*
Business Shares $10 0.100% 0.100%
Business Shares II $0 0.100% 0.100%

Service Fees

*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. Rules governing these accounts are available upon request. Compounded monthly.

Money Market Account Dividend Rates

Account  Opening Deposit Minimum Balance Dividend 
Rate
APY* Compound Frequency
Capitol Money Market  $2,000 $2,000-$4,999 .250% .250% Monthly

  $5,000 + .300% .300% Monthly

  Less than $2,000  0% 0% N/A
A+ Money Market  $10,000 $10,000 +  .349% .350% Monthly

  Less than $10,000  0% 0% N/A
Nova Money Market
 $25,000 $25,000 +
.399% .400% Monthly
    Less than $25,000  0%  0% N/A

Service Fees

*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. Rules governing these accounts are available upon request. Compounded monthly.

Certificate Dividend Rates

Term Minimum Balance Dividend Rate APY*
3 month
$500 .399%
.40%
6 month
$500 .499% .50%
12 month
$500  .747% .750%
18 month $500  .747% .750%
24 month** $500  .995% 1.000%
30 month $500  .995% 1.000%
36 month** $500  1.490% 1.500%
48 month** $500  1.982% 2.000%
60 month** $500  1.982% 2.000%

Learn more about certificates of deposit.

Service Fees

*APY = Annual Percentage Yield. The APYs for certificates assume dividends accrue to monthly. If you choose to have the dividends disbursed, the APY will equal the rate. Rates are effective as of today and can change at any time. There are penalties for early withdrawals on certificates. Fees may reduce the earnings on these accounts and are subject to change at any time without notice.

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

Wahoo Certificate Dividend Rates

Term Dividend Rate APY*
12 month** 0.499%
0.500%

Learn more about the Wahoo Certificate.

Service Fees

Unlimited deposits available throughout the certificate term. Maximum aggregate deposit amount is $25,000.

*APY = Annual Percentage Yield. The APYs for certificates assume dividends accrue to monthly. If you choose to have the dividends disbursed, the APY will equal the rate. Rates are effective as of today and can change at any time. There are penalties for early withdrawals on certificates. Penalties for early withdrawal are assigned for any withdrawals beyond the one no-penalty withdrawal during the certificate term. Fees may reduce the earnings on these accounts and are subject to change at any time without notice.

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

Certificate Builder Dividend Rates

Term Dividend Rate APY*
12 month** 0.648% 0.650%

Learn more about the Certificate Builder.

Service Fees

Unlimited deposits available throughout the certificate term. 

*APY = Annual Percentage Yield. The APYs for certificates assume dividends accrue to monthly. If you choose to have the dividends disbursed, the APY will equal the rate. Rates are effective as of today and can change at any time. There are penalties for early withdrawals on certificates. Fees may reduce the earnings on these accounts and are subject to change at any time without notice. 

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

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