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Deposit Rates


Rewards Checking

Minimum Required to Earn APYAnnual Percentage Yield (APY)Monthly ATM Refund
$0.01 (qualifying balances)1.50%up to $25
$25,000 (qualifying balances)1.50% to 0.38% depending on account balanceup to $25
$0.01 (non-qualifying balances)0.05%$0
Note: Annual Percentage Yield (APY) effective 8/1/16 and subject to change at any time. Any fees incurred could reduce earnings on this account. Minimum $25 opening balance. Either CashBack Checking or Rewards Checking account may be opened per member. In order to qualify for rewards, the following requirements must be met each monthly qualification cycle: 1) Have at least 12 debit card purchases (ATM withdrawals do not qualify) post and settle to the account during the monthly qualification cycle; 2) Have at least one direct deposit or ACH auto debit post and settle to the Rewards Checking Account; 3) Be enrolled in and receive free paperless e-statements. Dividends are paid on the last business day of the month; therefore, all debit card transactions must post and settle to the account by one business day prior to the last business day of the month. Debit card purchases authorized after a given month's statement cycle end date will be included in the following month's qualifying transaction totals. You will receive reimbursements up to $25.00 ($9.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $9.99 or higher. To qualify for nationwide ATM fee refunds, the ATM withdrawal must be withdrawn from the respective checking; no other accounts qualify. If monthly requirements are not met, ATM fees are not refunded, dividend rate and APY shown for non-qualifying balances will apply and the account will remain free with no monthly fee or minimum balance required. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.

CashBack Checking

Minimum Required to Earn APYAnnual Percentage Yield (APY)Monthly ATM Refund
n/an/aup to $25
Note: 2% cash back on debit card purchases up to $500 per month. Minimum $25 opening balance. Either CashBack Checking or Rewards Checking account may be opened per member. In order to qualify for rewards, the following requirements must be met each monthly qualification cycle: 1) Have at least 12 debit card purchases (ATM withdrawals do not qualify) post and settle to the account during the monthly qualification cycle; 2) Have at least one direct deposit or ACH auto debit post and settle to the CashBack Checking Account; 3) Be enrolled in and receive free paperless e-statements. Debit card transactions must post and settle to the account by one business day prior to the last business day of the month. Debit card purchases authorized after a given month's statement cycle end date will be included in the following month's qualifying transaction totals. You will receive reimbursements up to $25.00 ($9.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $9.99 or higher. To qualify for nationwide ATM fee refunds, the ATM withdrawal must be withdrawn from the respective checking; no other accounts qualify. If monthly requirements are not met, ATM fees are not refunded, dividend rate and APY shown for non-qualifying balances will apply and the account will remain free with no monthly fee or minimum balance required. If monthly requirements are not met, ATM fees are not refunded and the account remains free with no monthly fee or minimum balance required. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.

Everyday Free Checking

Minimum Required to Earn APYAnnual Percentage Yield (APY)Monthly ATM Refund
n/an/an/a
Note: Minimum $25 opening balance. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.

Regular Savings

Minimum Required to Earn APYAnnual Percentage Yield (APY)
$1000.05%
Note: Annual Percentage Yield (APY) effective 8/1/16 and subject to change. Any fees incurred could reduce earnings. $5 Minimum opening deposit required. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.

Saver Account

Minimum Required to Earn APYAnnual Percentage Yield (APY)
$0.010.50%
$25,0000.18% - 0.05%
Note: Annual Percentage Yield (APY) effective 8/1/16 and subject to change. Any fees incurred could reduce earnings. To be eligible for a Saver Account, you must open either a Rewards Checking or CashBack Checking Account. If monthly qualifications of respective checking account are met, the Saver Account will receive the APY shown above. If those qualifications are not met, all balances in the Saver Account will receive a base interest rate of 0.05% and will still function as a free account with no monthly fee or minimum balance required. Rewards or ATM refunds earned in the Rewards or CashBack Checking Accounts will automatically transfer into the Saver Account. $5 Minimum opening deposit required. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.

Centsables Savings

Minimum Required to Earn APYAnnual Percentage Yield (APY)
$10.05%
Note: Annual Percentage Yield (APY) effective 8/1/16 and subject to change. Must be 12 or younger to open with a parent or guardian on the account. $1 Minimum opening deposit required. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.

Teen Savings

Minimum Required to Earn APYAnnual Percentage Yield (APY)
$10.05%
Note: Annual Percentage Yield (APY) effective 8/1/16 and subject to change. Must be 13-17 years of age to open with a parent or guardian on the account. $1 Minimum opening deposit required. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.

Club Account

Minimum Required to Earn APYAnnual Percentage Yield (APY)
$1000.05%
Note: Annual Percentage Yield (APY) effective 8/1/16 and subject to change. Any fees incurred could reduce earnings. $1 Minimum opening deposit required. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.

Green Money Market

Minimum Required to Earn APYAnnual Percentage Yield (APY)
$1,0000.05%
$10,0000.20%
$25,0000.35%
$100,0000.50%
Note: Annual Percentage Yield (APY) effective 8/1/16 and subject to change. $1,000 Minimum opening deposit required. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions. Estatement enrollment required. No paper checks administered.

Money Market

Minimum Required to Earn APYAnnual Percentage Yield (APY)
$1,0000.05%
$10,0000.10%
$25,0000.15%
$100,0000.25%
Note: Annual Percentage Yield (APY) effective 8/1/16 and subject to change. $1,000 Minimum opening deposit required. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.

Certificates

TermAnnual Percentage Yield (APY)
3 month Certificate0.15%
6 month Certificate0.25%
12 month Certificate0.40%
18 month Certificate0.50%
24 month Certificate0.75%
36 month Certificate1.00%
48 month Certificate1.25%
60 month Certificate1.75%
60 month Structured Savings Certificate1.75%** ***
6 month Junior Certificate*0.25%**
Note: Annual Percentage Yield (APY) effective 8/1/16 and subject to change without notice. Penalty for early withdrawal. Minimum $1,000.00 required to open. Other rates and terms may be available. *Must be maintained in the account of a minor (under age 18). **Minimum balance is $500.00 on 60 month Structured Savings and 6 month Junior Certificates. ***Maximum contribution to Structured Savings Certificate is $50,000.

IRA Certificates

TermAnnual Percentage Yield (APY)
3 month IRA Certificate0.15%
6 month IRA Certificate0.25%
12 month IRA Certificate0.40%
18 month IRA Certificate0.50%
24 month IRA Certificate0.75%
36 month IRA Certificate1.00%
48 month IRA Certificate1.25%
60 month IRA Certificate1.75%
Note: Annual Percentage Yield (APY) effective 8/1/16 and subject to change without notice. Penalty for early withdrawal. Minimum $1,000.00 required to open. Other terms and rates may be available.

IRA Savings

Minimum Required to Earn APYAnnual Percentage Yield (APY)
$0.010.10%
$5,0000.25%
$25,0000.40%
$75,0000.60%
$100,0000.75%
Note: Annual Percentage Yield (APY) effective 8/1/16 and subject to change. Maximum annual contribution is $5,000 under age 50 and $6,000 age 50 and up. Any fees incurred could reduce earnings.


Shared Branching

Shared Branching

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Why Join Members First?

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