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Share & Deposit Account Rates

Explore all of our account rates, including Checking and Share Accounts, Share Term Certificates, and more.

Checking accounts1

Account termMinimum opening depositDividend rate2 and APY
CheckingNo deposit0.05% / 0.05% APY
ZardNo deposit0.05% / 0.05% APY
Rates as of 2/25/21

Disclosures

Share accounts1

Account termMinimum opening depositDividend rate2 and APY
Share$250.25% / 0.25% APY
Zard® Share$250.25% / 0.25% APY
FAT CAT® Share3$50.25% / 0.25% APY
Money Market Share$2502.00% / 2.02% APY
Summer Cash4No minimum5.45% / 5.60% APY
Holiday Cash ClubNo minimum0.25% / 0.25% APY
Rates as of 4/25/24

Disclosures

Share Term Certificates (STCs)5

Account term                        Minimum opening depositInterest rate2 and APY
6 months$2504.50% / 4.50% APY
Special STC - 9 months*$2505.10% / 5.10% APY
12 months$2504.90% / 4.90% APY
18 months$2504.75% / 4.75% APY
24 months$2504.30% / 4.30% APY
30 months$2503.00% / 3.00% APY
36 months$2503.10% / 3.10% APY
48 months$2503.20% / 3.20% APY
60 months$2503.50% / 3.50% APY
*For any STC initially offered with a promotional or special rate and term that is designated to renew, the STC will automatically renew / convert to a 12-month STC at the then-offered rate. 
Rates as of 6/13/24
Disclosures

Tax-advantaged accounts1

Account Minimum opening depositDividend rate2 and APY
IRA (Traditional, Roth, SEP)$253.00% / 3.05% APY
Coverdell Education Savings Account$253.00% / 3.05% APY
Health Savings AccountNo deposit3.00% / 3.05% APY
Rates as of 4/25/24

Disclosures