dividend rates

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Please select your state to see rates for your particular location. Check back as rates are updated often.

Arkansas

Certificate Special

Effective Date: February 01, 2023
Type Dividend Rate APY1 APY with Bonus Rate2
11 Month 4.073% 4.15% 4.25%
36 Month Bump Up 3.590% 3.65% 3.75%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Contact us for business share certificate specials.

Liquid Certificate

Effective Date: February 01, 2023
Type Min & Max Amount Dividend Rate APY1 APY with Bonus Rate2
12 Month $2,500 - $250,000 1.244% 1.25% 1.35%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Share & IRA Certificates - $500 Minimum

Effective Date: February 01, 2023
Type Dividend Rate APY1 APY with Bonus Rate2
60 Months 2.231% 2.25% 2.35%
48-59 Months 2.084% 2.10% 2.20%
36-47 Months 1.985% 2.00% 2.10%
24-35 Months 1.590% 1.60% 1.70%
18-23 Months 1.492% 1.50% 1.60%
12-17 Months 1.343% 1.35% 1.45%
6-11 Months 0.996% 1.00% 1.10%
3-5 Months 0.399% 0.40% 0.50%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1 APY with Bonus Rate2
$1,000 0.150% 0.15% 0.400%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 0.25% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or Rewards Checking account with an average monthly balance of at least $1.00. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account.

Elevate Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1 APY with Bonus Rate2
$0 0.000% 0.00% 0.00%
$1,000 0.995% 1.00% 1.50%
$100,000 1.243% 1.25% 1.75%
$250,000 1.490% 1.50% 2.00%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 0.50% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or a Rewards Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Rewards Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH); d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$0 0.250% 0.25%
$1,000 0.499% 0.25%
$10,000 0.747% 0.75%
$25,000 0.995% 1.00%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$0 0.000% 0.00%
$1,000 0.100% 0.10%
$100,000 0.200% 0.20%
$250,000 0.300% 0.30%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts

Effective Date: February 01, 2023
Term Dividend Rate APY1
Membership Savings2,3 0.050% 0.05%
Achiever Savings4 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings2 0.050% 0.05%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [2] Minimum opening balance is $5.00. [3] Minimum balance to earn APY is $300.00. [4] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking

Effective Date: February 01, 2023
Account Type Minimum Amount Dividend Rate APY1
Base Rate $0 0.050% 0.05%
Reward Rate $0 2.911% 2.95%
TOTAL Rate $0 2.961% 3.00%
Base Rate Over $15,000 0.100% 0.10%
Reward Rate Over $15,000 0.000% 0.00%
TOTAL Rate Over $15,000 0.100% 0.10%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 3.00% APY earned on first $15,000 of account balance if monthly requirements for Bonus APY are met; 0.05% APY earned on first $15,000 of account balance if monthly requirements not met; balance above $15,000 earns 0.10% APY and is ineligible for Bonus APY. Monthly requirements for Bonus APY: (a) 10 signature-based (non-PIN) debit card transactions posted to account; (b) 1 direct deposit or ACH transaction; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.

Share Draft Accounts (Checking) Platinum Plus Checking

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$1,000 0.100% 0.10%
$100,000 0.150% 0.15%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

Indiana

Certificate Special

Effective Date: February 01, 2023
Type Dividend Rate APY1 APY with Bonus Rate2
11 Month 4.073% 4.15% 4.25%
36 Month Bump Up 3.590% 3.65% 3.75%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Contact us for business share certificate specials.

Liquid Certificate

Effective Date: February 01, 2023
Type Min & Max Amount Dividend Rate APY1 APY with Bonus Rate2
12 Month $2,500 - $250,000 1.244% 1.25% 1.35%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Share & IRA Certificates - $500 Minimum

Effective Date: February 01, 2023
Type Dividend Rate APY1 APY with Bonus Rate2
60 Months 2.231% 2.25% 2.35%
48-59 Months 2.084% 2.10% 2.20%
36-47 Months 1.985% 2.00% 2.10%
24-35 Months 1.590% 1.60% 1.70%
18-23 Months 1.590% 1.50% 1.60%
12-17 Months 1.343% 1.35% 1.45%
6-11 Months 0.996% 1.00% 1.10%
3-5 Months 0.399% 0.30% 0.40%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1 APY with Bonus Rate2
$1,000 0.150% 0.15% 0.400%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 0.25% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or Rewards Checking account with an average monthly balance of at least $1.00. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account.

Elevate Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1 APY with Bonus Rate2
$0 0.000% 0.00% 0.00%
$1,000 0.995% 1.00% 1.50%
$100,000 1.243% 1.25% 1.75%
$250,000 1.490% 1.50% 2.00
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 0.50% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or a Rewards Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Rewards Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH); d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$0 0.250% 0.25%
$1,000 0.499% 0.50%
$10,000 0.747% 0.75%
$25,000 0.995% 1.00%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$0 0.000% 0.00%
$1,000 0.100% 0.10%
$100,000 0.200% 0.20%
$250,000 0.300% 0.30%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts

Effective Date: February 01, 2023
Term Dividend Rate APY1
Membership Savings2,3 0.050% 0.05%
Achiever Savings4 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings2 0.050% 0.05%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [2] Minimum opening balance is $5.00. [3] Minimum balance to earn APY is $300.00. [4] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking

Effective Date: February 01, 2023
Account Type Minimum Amount Dividend Rate APY1
Base Rate $0 0.050% 0.05%
Reward Rate $0 2.911% 2.95%
TOTAL Rate $0 2.961% 3.00%
Base Rate Over $15,000 0.100% 0.10%
Reward Rate Over $15,000 0.000% 0.00%
TOTAL Rate Over $15,000 0.100% 0.10%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 3.00% APY earned on first $15,000 of account balance if monthly requirements for Bonus APY are met; 0.05% APY earned on first $15,000 of account balance if monthly requirements not met; balance above $15,000 earns 0.10% APY and is ineligible for Bonus APY. Monthly requirements for Bonus APY: (a) 10 signature-based (non-PIN) debit card transactions posted to account; (b) 1 direct deposit or ACH transaction; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.

Share Draft Accounts (Checking) Platinum Plus Checking

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$1,000 0.100% 0.10%
$100,000 0.150% 0.15%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

Michigan

Certificate Specials

Effective Date: February 01, 2023
Type Dividend Rate APY1 APY with Bonus Rate2
11 Month 4.073% 4.15% 4.25%
36 Month Bump Up 3.590% 3.65% 3.75%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Contact us for business share certificate specials.

Liquid Certificate

Effective Date: February 01, 2023
Type Min & Max Amount Dividend Rate APY1 APY with Bonus Rate2
12 Month $2,500 - $250,000 1.244% 1.25% 1.35%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Share & IRA Certificates - $500 Minimum

Effective Date: February 01, 2023
Type Dividend Rate APY1 APY with Bonus Rate2
60 Months 2.231% 2.25% 2.35%
48-59 Months 2.084% 2.10% 2.20%
36-47 Months 1.985% 2.00% 2.10%
24-35 Months 1.590% 1.60% 1.70%
18-23 Months 1.590% 1.50% 1.60%
12-17 Months 1.343% 1.35% 1.45%
6-11 Months 0.996% 1.00% 1.10%
3-5 Months 0.399% 0.40% 0.50%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1 APY with Bonus Rate2
$0 0.000% 0.00% 0.00%
$1,000 0.150% 0.15% 0.400%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 0.25% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or Rewards Checking account with an average monthly balance of at least $1.00. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account.

Elevate Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1 APY with Bonus Rate2
$0 0.000% 0.00% 0.00%
$1,000 0.995% 1.00% 1.50%
$100,000 1.243% 1.25% 1.75%
$250,000 1.490% 1.50% 2.00%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 0.50% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or a Rewards Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Rewards Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH); d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$0 0.250% 0.25%
$1,000 0.499% 0.50%
$10,000 0.747% 0.75%
$25,000 0.995% 1.00%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$0 0.000% 0.00%
$1,000 0.100% 0.10%
$100,000 0.200% 0.20%
$250,000 0.300% 0.30%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts

Effective Date: February 01, 2023
Term Dividend Rate APY1
Membership Savings2,3 0.050% 0.05%
Achiever Savings4 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings2 0.050% 0.05%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [2] Minimum opening balance is $5.00. [3] Minimum balance to earn APY is $300.00. [4] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking

Effective Date: February 01, 2023
Account Type Minimum Amount Dividend Rate APY1
Base Rate $0 0.050% 0.05%
Reward Rate $0 2.911% 2.95%
TOTAL Rate $0 2.961% 3.00%
Base Rate Over $15,000 0.100% 0.10%
Reward Rate Over $15,000 0.000% 0.00%
TOTAL Rate Over $15,000 0.100% 0.10%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 3.00% APY earned on first $15,000 of account balance if monthly requirements for Bonus APY are met; 0.05% APY earned on first $15,000 of account balance if monthly requirements not met; balance above $15,000 earns 0.10% APY and is ineligible for Bonus APY. Monthly requirements for Bonus APY: (a) 10 signature-based (non-PIN) debit card transactions posted to account; (b) 1 direct deposit or ACH transaction; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.

Share Draft Accounts (Checking) Platinum Plus Checking

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$1,000 0.100% 0.10%
$100,000 0.150% 0.15%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

Ohio

Certificate Special

Effective Date: February 01, 2023
Type Dividend Rate APY1 APY with Bonus Rate2
11 Month 4.073% 4.15% 4.25%
36 Month Bump-Up 3.590% 3.65% 3.75%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Contact us for business share certificate specials.

Liquid Certificate

Effective Date: February 01, 2023
Type Min & Max Amount Dividend Rate APY1 APY with Bonus Rate2
12 Month $2,500 - $250,000 1.244% 1.25% 1.35%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Share & IRA Certificates - $500 Minimum

Effective Date: February 01, 2023
Type Dividend Rate APY1 APY with Bonus Rate2
60 Months 2.231% 2.25% 2.35%
48-59 Months 2.084% 2.10% 2.20%
36-47 Months 1.985% 2.00% 2.10%
24-35 Months 1.590% 1.60% 1.70%
18-23 Months 1.590% 1.50% 1.60%
12-17 Months 1.343% 1.35% 1.45%
6-11 Months 0.996% 1.00% 1.10%
3-5 Months 0.399% 0.40% 0.50%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1 APY with Bonus Rate2
$0 0.000% 0.00% 0.00%
$1,000 0.150% 0.15% 0.400%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 0.25% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or Rewards Checking account with an average monthly balance of at least $1.00. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account.

Elevate Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1 APY with Bonus Rate2
$0 0.000% 0.00% 0.000% 0.0%
$1,000 0.995% 1.00% 1.50%
$100,000 1.243% 1.25% 1.75%
$250,000 1.490% 1.50% 2.00%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 0.50% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or a Rewards Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Rewards Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH); d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$0 0.250% 0.25%
$1,000 0.499% 0.50%
$10,000 0.747% 0.75%
$25,000 0.995% 1.00%$
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$0 0.000% 0.00%
$1,000 0.100% 0.10%
$100,000 0.200% 0.20%
$250,000 0.300% 0.30%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts

Effective Date: February 01, 2023
Term Dividend Rate APY1
Membership Savings2,3 0.050% 0.05%
Achiever Savings4 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings2 0.050% 0.05%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [2] Minimum opening balance is $5.00. [3] Minimum balance to earn APY is $300.00. [4] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking

Effective Date: February 01, 2023
Account Type Minimum Amount Dividend Rate APY1
Base Rate $0 0.050% 0.05%
Reward Rate $0 2.911% 2.95%
TOTAL Rate $0 2.961% 3.00%
Base Rate Over $15,000 0.100% 0.10%
Reward Rate Over $15,000 0.000% 0.00%
TOTAL Rate Over $15,000 0.100% 0.10%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 3.00% APY earned on first $15,000 of account balance if monthly requirements for Bonus APY are met; 0.05% APY earned on first $15,000 of account balance if monthly requirements not met; balance above $15,000 earns 0.10% APY and is ineligible for Bonus APY. Monthly requirements for Bonus APY: (a) 10 signature-based (non-PIN) debit card transactions posted to account; (b) 1 direct deposit or ACH transaction; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.

Share Draft Accounts (Checking) Platinum Plus Checking

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$1,000 0.100% 0.10%
$100,000 0.150% 0.15%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

Nevada

Certificate Special

Effective Date: February 01, 2023
Type Dividend Rate APY1 APY with Bonus Rate2
11 Month 4.073% 4.15% 4.25%
36 Month Bump Up 3.590% 3.65% 3.75%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Contact us for business share certificate specials.

Liquid Certificate

Effective Date: February 01, 2023
Type Min & Max Amount Dividend Rate APY1 APY with Bonus Rate2
12 Month $2,500 - $250,000 1.244% 1.25% 1.35%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Share & IRA Certificates - $500 Minimum

Effective Date: February 01, 2023
Type Dividend Rate APY1 APY with Bonus Rate2
60 Months 2.231% 2.25% 2.35%
48-59 Months 2.084% 2.10% 2.20%
36-47 Months 1.985% 2.00% 2.10%
24-35 Months 1.590% 1.60% 1.70%
18-23 Months 1.590% 1.50% 1.60%
12-17 Months 1.343% 1.35% 1.45%
6-11 Months 0.996% 1.00% 1.10%
3-5 Months 0.399% .40% 0.50%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1 APY with Bonus Rate2
$0 0.000% 0.00% 0.00%
$1,000 0.150% 0.15% 0.400%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 0.25% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or Rewards Checking account with an average monthly balance of at least $1.00. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account.

Member's Advantage Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1 APY with Bonus Rate2
$0 0.000% 0.00% 0.00%
$1,000 0.995% 1.00% 1.50%
$100,000 1.243% 1.25% 1.75%
$250,000 1.490% 1.50% 2.00%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 0.50% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or a Rewards Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Rewards Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH); d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$0 0.250% 0.25%
$1,000 0.499% 0.50%
$10,000 0.747% 0.75%
$25,000 0.995% 1.00%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$0 0.000% 0.00%
$1,000 0.100% 0.10%
$100,000 0.200% 0.20%
$250,000 0.300% 0.30%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts

Effective Date: February 01, 2023
Term Dividend Rate APY1
Membership Savings2,3 0.050% 0.05%
Achiever Savings4 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings2 0.050% 0.05%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [2] Minimum opening balance is $5.00. [3] Minimum balance to earn APY is $300.00. [4] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking

Effective Date: February 01, 2023
Account Type Minimum Amount Dividend Rate APY1
Base Rate $0 0.050% 0.05%
Reward Rate $0 2.911% 2.95%
TOTAL Rate $0 2.961% 3.00%
Base Rate Over $15,000 0.100% 0.10%
Reward Rate Over $15,000 0.000% 0.00%
TOTAL Rate Over $15,000 0.100% 0.10%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 3.00% APY earned on first $15,000 of account balance if monthly requirements for Bonus APY are met; 0.05% APY earned on first $15,000 of account balance if monthly requirements not met; balance above $15,000 earns 0.10% APY and is ineligible for Bonus APY. Monthly requirements for Bonus APY: (a) 10 signature-based (non-PIN) debit card transactions posted to account; (b) 1 direct deposit or ACH transaction; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.

Share Draft Accounts (Checking) Platinum Plus Checking

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$1,000 0.100% 0.10%
$100,000 0.150% 0.15%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

North Carolina

Certificate Special

Effective Date: February 01, 2023
Type Dividend Rate APY1 APY with Bonus Rate2
11 Month 4.073% 4.15% 4.25%
36 Month Bump-Up 3.590% 3.65% 3.75%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Contact us for business share certificate specials.

Liquid Certificate

Effective Date: February 01, 2023
Type Min & Max Amount Dividend Rate APY1 APY with Bonus Rate2
12 Month $2,500 - $250,000 1.244% 1.25% 1.35%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Share & IRA Certificates - $500 Minimum

Effective Date: February 01, 2023
Type Dividend Rate APY1 APY with Bonus Rate2
60 Months 2.231% 2.25% 2.35%
48-59 Months 2.084% 2.10% 2.20%
36-47 Months 1.985% 2.00% 2.10%
24-35 Months 1.590% 1.60% 1.70%
18-23 Months 1.590% 1.50% 1.60%
12-17 Months 1.343% 1.35% 1.45%
6-11 Months 0.996% 1.00% 1.10%
3-5 Months 0.399% 0.40% 0.50%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1 APY with Bonus Rate2
$0 0.000% 0.00% 0.00%
$1,000 0.150% 0.15% 0.400%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 0.25% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or Rewards Checking account with an average monthly balance of at least $1.00. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account.

Elevate Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1 APY with Bonus Rate2
$0 0.000% 0.00% 0.00%
$1,000 0.995% 1.00% 1.50%
$100,000 1.243% 1.25% 1.75%
$250,000 1.490% 1.50% 2.00%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 0.50% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or a Rewards Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Rewards Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH); d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$0 0.250% 0.25%
$1,000 0.499% 0.50%
$10,000 0.747% 0.75%
$25,000 0.995% 1.00%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$0 0.000% 0.00%
$1,000 0.100% 0.10%
$100,000 0.200% 0.20%
$250,000 0.300% 0.30%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts

Effective Date: February 01, 2023
Term Dividend Rate APY1
Membership Savings2,3 0.050% 0.05%
Achiever Savings4 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings2 0.050% 0.05%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [1] Minimum opening balance is $5.00. [2] Minimum balance to earn APY is $300.00. [3] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking

Effective Date: February 01, 2023
Account Type Minimum Amount Dividend Rate APY1
Base Rate $0 0.050% 0.05%
Reward Rate $0 2.911% 2.95%
TOTAL Rate $0 2.961% 3.00%
Base Rate Over $15,000 0.100% 0.10%
Reward Rate Over $15,000 0.000% 0.00%
TOTAL Rate Over $15,000 0.100% 0.10%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 3.00% APY earned on first $15,000 of account balance if monthly requirements for Bonus APY are met; 0.05% APY earned on first $15,000 of account balance if monthly requirements not met; balance above $15,000 earns 0.10% APY and is ineligible for Bonus APY. Monthly requirements for Bonus APY: (a) 10 signature-based (non-PIN) debit card transactions posted to account; (b) 1 direct deposit or ACH transaction; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.

Share Draft Accounts (Checking) Platinum Plus Checking

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$1,000 0.100% 0.10%
$100,000 0.150% 0.15%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

Oklahoma

Certificate Special

Effective Date: February 01, 2023
Type Dividend Rate APY1 APY with Bonus Rate2
11 Month 4.073% 4.15% 4.25%
36 Month Bump-Up 3.590% 3.65% 3.75%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Contact us for business share certificate specials.

Liquid Certificate

Effective Date: February 01, 2023
Type Min & Max Amount Dividend Rate APY1 APY with Bonus Rate2
12 Month $2,500 - $250,000 1.244% 1.25% 1.35%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Share & IRA Certificates - $500 Minimum

Effective Date: February 01, 2023
Type Dividend Rate APY1 APY with Bonus Rate2
60 Months 2.231% 2.25% 2.35%
48-59 Months 2.084% 2.10% 2.20%
36-47 Months 1.985% 2.00% 2.10%
24-35 Months 1.590% 1.60% 1.70%
18-23 Months 1.590% 1.50% 1.60%
12-17 Months 1.343% 1.35% 1.45%
6-11 Months 0.996% 1.00% 1.10%
3-5 Months 0.399% 0.40% 0.50%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1 APY with Bonus Rate2
$0 0.000% 0.00% 0.00%
$1,000 0.150% 0.15% 0.400%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 0.25% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or Rewards Checking account with an average monthly balance of at least $1.00. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account.

Elevate Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1 APY with Bonus Rate2
$0 0.000% 0.00% 0.00%
$1,000 0.995% 1.00% 1.50%
$100,000 1.243% 1.25% 1.75%
$250,000 1.490% 1.50% 2.00%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 0.50% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or a Rewards Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Rewards Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH); d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY
$0 0.250% 0.25%
$1,000 0.499% 0.50%
$10,000 0.747% 0.75%
$25,000 0.995% 1.00%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$0 0.000% 0.00%
$1,000 0.100% 0.10%
$100,000 0.200% 0.20%
$250,000 0.300% 0.30%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts

Effective Date: February 01, 2023
Term Dividend Rate APY1
Membership Savings2,3 0.050% 0.05%
Achiever Savings4 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings2 0.050% 0.05%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [2] Minimum opening balance is $5.00. [3] Minimum balance to earn APY is $300.00. [4] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking

Effective Date: February 01, 2023
Account Type Minimum Amount Dividend Rate APY1
Base Rate $0 0.050% 0.05%
Reward Rate $0 2.911% 2.95%
TOTAL Rate $0 2.961% 3.00%
Base Rate Over $15,000 0.100% 0.10%
Reward Rate Over $15,000 0.000% 0.00%
TOTAL Rate Over $15,000 0.100% 0.10%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 3.00% APY earned on first $15,000 of account balance if monthly requirements for Bonus APY are met; 0.05% APY earned on first $15,000 of account balance if monthly requirements not met; balance above $15,000 earns 0.10% APY and is ineligible for Bonus APY. Monthly requirements for Bonus APY: (a) 10 signature-based (non-PIN) debit card transactions posted to account; (b) 1 direct deposit or ACH transaction; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.

Share Draft Accounts (Checking) Platinum Plus Checking

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$1,000 0.100% 0.10%
$100,000 0.150% 0.15%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

Other

Certificate Special

Effective Date: February 01, 2023
Type Dividend Rate APY1 APY with Bonus Rate2
11 Month 4.073% 4.15% 4.25%
36 Month Bump-Up 3.590% 3.65% 3.75%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Contact us for business share certificate specials.

Liquid Certificate

Effective Date: February 01, 2023
Type Min & Max Amount Dividend Rate APY1 APY with Bonus Rate2
12 Month $2,500 - $250,000 1.244% 1.25% 1.35%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Share & IRA Certificates - $500 Minimum

Effective Date: February 01, 2023
Type Dividend Rate APY1 APY with Bonus Rate2
60 Months 2.231% 2.25% 2.35%
48-59 Months 2.084% 2.10% 2.20%
36-47 Months 1.985% 2.00% 2.10%
24-35 Months 1.590% 1.60% 1.70%
18-23 Months 1.590% 1.50% 1.60%
12-17 Months 1.343% 1.35% 1.45%
6-11 Months 0.996% 1.00% 1.10%
3-5 Months 0.399% 0.40% 0.50%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1 APY with Bonus Rate2
$0 0.000% 0.00% 0.00%
$1,000 0.150% 0.15% 0.400%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 0.25% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or Rewards Checking account with an average monthly balance of at least $1.00. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account.

Elevate Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1 APY with Bonus Rate2
$0 0.000% 0.00% 0.00%
$1,000 0.995% 1.00% 1.50%
$100,000 1.243% 1.25% 1.75%
$250,000 1.490% 1.50% 2.00%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 0.50% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or a Rewards Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Rewards Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH); d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$0 0.250% 0.25%
$1,000 0.499% 0.50%
$10,000 0.747% 0.75%
$25,000 0.995% 1.00%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$0 0.000% 0.00%
$1,000 0.100% 0.10%
$100,000 0.200% 0.20%
$250,000 0.300% 0.30%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts

Effective Date: February 01, 2023
Term Dividend Rate APY1
Membership Savings2,3 0.050% 0.05%
Achiever Savings4 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings2 0.050% 0.05%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [2] Minimum opening balance is $5.00. [3] Minimum balance to earn APY is $300.00. [4] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking

Effective Date: February 01, 2023
Account Type Minimum Amount Dividend Rate APY1
Base Rate $0 0.050% 0.05%
Reward Rate $0 2.911% 2.95%
TOTAL Rate $0 2.961% 3.00%
Base Rate Over $15,000 0.100% 0.10%
Reward Rate Over $15,000 0.000% 0.00%
TOTAL Rate Over $15,000 0.100% 0.10%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 3.00% APY earned on first $15,000 of account balance if monthly requirements for Bonus APY are met; 0.05% APY earned on first $15,000 of account balance if monthly requirements not met; balance above $15,000 earns 0.10% APY and is ineligible for Bonus APY. Monthly requirements for Bonus APY: (a) 10 signature-based (non-PIN) debit card transactions posted to account; (b) 1 direct deposit or ACH transaction; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.

Share Draft Accounts (Checking) Platinum Plus Checking

Effective Date: February 01, 2023
Minimum Amount Dividend Rate APY1
$1,000 0.100% 0.10%
$100,000 0.150% 0.15%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

dividend rates