dividend rates

Select Your State

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

Arkansas

Certificate Special

Effective Date: October 01, 2022
Type Dividend Rate APY
11 Month 2.869% 2.90%
25 month 3.113% 3.15%
36 Month Bump Up 3.357% 3.40%
Annual Percentage Yield (APY) accurate as of the effective date above. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Rates for consumers with Ultra Checking may change after account is opened if rate bonus eligibility is not met. Fees may reduce earnings on the account. IRA eligible. Contact us for business share certificate specials.

Liquid Certificate

Effective Date: October 01, 2022
Type Minimum Amount Maximum Amount Dividend Rate APY
12 Month $2,500 $250,000 0.499% 0.50%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate

Effective Date: October 01, 2022
Type Minimum Amount Maximum Amount Dividend Rate APY
36 Month $500 $1,000,000 3.357% 3.40%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

Share & IRA Certificates - $500 Minimum

Effective Date: October 01, 2022
Type Dividend Rate APY
60 Months 1.095% 1.10%
48-59 Months 0.947% 0.95%
36-47 Months 0.847% 0.85%
24-35 Months 0.798% 0.80%
18-23 Months 0.748% 0.75%
12-17 Months 0.499% 0.50%
6-11 Months 0.200% 0.20%
3-5 Months 0.150% 0.15%
Annual Percentage Yield (APY) accurate as of the effective date above. 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: October 01, 2022
Minimum Amount Dividend Rate APY
$1,000 0.150% 0.15%
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. This product is only available as a consumer account.

Elevate Money Market

Effective Date: October 01, 2022
Minimum Amount Dividend Rate APY
$1,000 0.399% 0.40%
$50,000 0.995% 1.00%
$100,000 1.243% 1.25%
$250,000 1.490% 1.50%
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.

Health Savings Account (HSA)

Effective Date: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.100% 0.10%
$1,000 0.200% 0.20%
$10,000 0.300% 0.30%
$25,000 0.399% 0.40%
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: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$1,000 0.100% 0.10%
$100,000 0.200% 0.20%
$250,000 0.300% 0.30%
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: October 01, 2022
Term Dividend Rate APY
Membership Savings1,2 0.050% 0.05%
Achiever Savings3 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings1 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: October 01, 2022
Account Type Minimum Amount Dividend Rate APY
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%
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: October 01, 2022
Account Type Minimum Amount Dividend Rate APY
  $1,000 0.100% 0.10%
  $100,000 0.150% 0.15%
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: October 01, 2022
Type Dividend Rate APY
11 Month 2.869% 2.90%
25 month 3.113% 3.15%
36 Month Bump Up 3.357% 3.40%
Annual Percentage Yield (APY) accurate as of the effective date above. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Rates for consumers with Ultra Checking may change after account is opened if rate bonus eligibility is not met. Fees may reduce earnings on the account. IRA eligible. Contact us for business share certificate specials.

Liquid Certificate

Effective Date: October 01, 2022
Type Minimum Amount Maximum Amount Dividend Rate APY
12 Month $2,500 $250,000 0.499% 0.50%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate

Effective Date: October 01, 2022
Type Minimum Amount Maximum Amount Dividend Rate APY
36 Month $500 $1,000,000 3.357% 3.40%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

Share & IRA Certificates - $500 Minimum

Effective Date: October 01, 2022
Type Dividend Rate APY
60 Months 1.095% 1.10%
48-59 Months 0.947% 0.95%
36-47 Months 0.847% 0.85%
24-35 Months 0.798% 0.80%
18-23 Months 0.748% 0.75%
12-17 Months 0.499% 0.50%
6-11 Months 0.200% 0.20%
3-5 Months 0.150% 0.15%
Annual Percentage Yield (APY) accurate as of the effective date above. 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: October 01, 2022
Minimum Amount Dividend Rate APY
$1,000 0.150% 0.15%
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. This product is only available as a consumer account.

Elevate Money Market

Effective Date: October 01, 2022
Minimum Amount Dividend Rate APY
$1,000 0.399% 0.40%
$50,000 0.995% 1.00%
$100,000 1.243% 1.25%
$250,000 1.490% 1.50%
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.

Health Savings Account (HSA)

Effective Date: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.100% 0.10%
$1,000 0.200% 0.20%
$10,000 0.300% 0.30%
$25,000 0.399% 0.40%
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: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$1,000 0.100% 0.10%
$100,000 0.200% 0.20%
$250,000 0.300% 0.30%
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: October 01, 2022
Term Dividend Rate APY
Membership Savings1,2 0.050% 0.05%
Achiever Savings3 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings1 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: October 01, 2022
Account Type Minimum Amount Dividend Rate APY
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%
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: October 01, 2022
Account Type Minimum Amount Dividend Rate APY
  $1,000 0.100% 0.10%
  $100,000 0.150% 0.15%
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 Special

Effective Date: October 01, 2022
Type Dividend Rate APY
11 Month 2.869% 2.90%
25 month 3.113% 3.15%
36 Month Bump Up 3.357% 3.40%
Annual Percentage Yield (APY) accurate as of the effective date above. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Rates for consumers with Ultra Checking may change after account is opened if rate bonus eligibility is not met. Fees may reduce earnings on the account. IRA eligible. Contact us for business share certificate specials.

Liquid Certificate

Effective Date: October 01, 2022
Type Minimum Amount Maximum Amount Dividend Rate APY
12 Month $2,500 $250,000 0.499% 0.50%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate

Effective Date: October 01, 2022
Type Minimum Amount Maximum Amount Dividend Rate APY
36 Month $500 $1,000,000 3.357% 3.40%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

Share & IRA Certificates - $500 Minimum

Effective Date: October 01, 2022
Type Dividend Rate APY
60 Months 1.095% 1.10%
48-59 Months 0.947% 0.95%
36-47 Months 0.847% 0.85%
24-35 Months 0.798% 0.80%
18-23 Months 0.748% 0.75%
12-17 Months 0.499% 0.50%
6-11 Months 0.200% 0.20%
3-5 Months 0.150% 0.15%
Annual Percentage Yield (APY) accurate as of the effective date above. 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: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$1,000 0.150% 0.15%
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. This product is only available as a consumer account.

Elevate Money Market

Effective Date: October 01, 2022
Minimum Amount Dividend Rate APY
$1,000 0.399% 0.40%
$50,000 0.995% 1.00%
$100,000 1.243% 1.25%
$250,000 1.490% 1.50%
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.

Health Savings Account (HSA)

Effective Date: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.100% 0.10%
$1,000 0.200% 0.20%
$10,000 0.300% 0.30%
$25,000 0.399% 0.40%
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: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$1,000 0.100% 0.10%
$100,000 0.200% 0.20%
$250,000 0.300% 0.30%
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: October 01, 2022
Term Dividend Rate APY
Membership Savings1,2 0.050% 0.05%
Achiever Savings3 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings1 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: October 01, 2022
Account Type Minimum Amount Dividend Rate APY
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%
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: October 01, 2022
Account Type Minimum Amount Dividend Rate APY
  $1,000 0.100% 0.10%
  $100,000 0.150% 0.15%
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: October 01, 2022
Type Dividend Rate APY
11 Month 2.896% 2.90%
25 month 3.113% 3.15%
36 Month Bump-Up 3.357% 3.40%
Annual Percentage Yield (APY) accurate as of the effective date above. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Rates for consumers with Ultra Checking may change after account is opened if rate bonus eligibility is not met. Fees may reduce earnings on the account. IRA eligible. Contact us for business share certificate specials.

Liquid Certificate

Effective Date: October 01, 2022
Type Minimum Amount Maximum Amount Dividend Rate APY
12 Month $2,500 $250,000 0.499% 0.50%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate

Effective Date: October 01, 2022
Type Minimum Amount Maximum Amount Dividend Rate APY
36 Month $500 $1,000,000 3.357% 3.40%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

Share & IRA Certificates - $500 Minimum

Effective Date: October 01, 2022
Type Dividend Rate APY
60 Months 1.095% 1.10%
48-59 Months 0.947% 0.95%
36-47 Months 0.847% 0.85%
24-35 Months 0.798% 0.80%
18-23 Months 0.748% 0.75%
12-17 Months 0.499% 0.50%
6-11 Months 0.200% 0.20%
3-5 Months 0.150% 0.15%
Annual Percentage Yield (APY) accurate as of the effective date above. 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: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$1,000 0.150% 0.15%
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. This product is only available as a consumer account.

Elevate Money Market

Effective Date: October 01, 2022
Minimum Amount Dividend Rate APY
$1,000 0.399% 0.40%
$50,000 0.995% 1.00%
$100,000 1.243% 1.25%
$250,000 1.490% 1.50%
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.

Health Savings Account (HSA)

Effective Date: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.100% 0.10%
$1,000 0.200% 0.20%
$10,000 0.300% 0.30%
$25,000 0.399% 0.40%
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: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$1,000 0.100% 0.10%
$100,000 0.200% 0.20%
$250,000 0.300% 0.30%
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: October 01, 2022
Term Dividend Rate APY
Membership Savings1,2 0.050% 0.05%
Achiever Savings3 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings1 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: October 01, 2022
Account Type Minimum Amount Dividend Rate APY
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%
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: October 01, 2022
Account Type Minimum Amount Dividend Rate APY
  $1,000 0.100% 0.10%
  $100,000 0.150% 0.15%
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: October 01, 2022
Type Dividend Rate APY
11 Month 2.869% 2.90%
25 month 3.113% 3.15%
36 Month Bump Up 3.357% 3.40%
Annual Percentage Yield (APY) accurate as of the effective date above. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Rates for consumers with Ultra Checking may change after account is opened if rate bonus eligibility is not met. Fees may reduce earnings on the account. IRA eligible. Contact us for business share certificate specials.

Liquid Certificate

Effective Date: October 01, 2022
Type Minimum Amount Maximum Amount Dividend Rate APY
12 Month $2,500 $250,000 0.3499% 0.50%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate

Effective Date: October 01, 2022
Type Minimum Amount Maximum Amount Dividend Rate APY
36 Month $500 $1,000,000 3.357% 3.40%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

Share & IRA Certificates - $500 Minimum

Effective Date: October 01, 2022
Type Dividend Rate APY
60 Months 1.095% 1.10%
48-59 Months 0.947% 0.95%
36-47 Months 0.847% 0.85%
24-35 Months 0.798% 0.80%
18-23 Months 0.748% 0.75%
12-17 Months 0.499% 0.50%
6-11 Months 0.200% 0.20%
3-5 Months 0.150% 0.15%
Annual Percentage Yield (APY) accurate as of the effective date above. 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: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$1,000 0.150% 0.15%
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. This product is only available as a consumer account.

Member's Advantage Money Market

Effective Date: October 01, 2022
Minimum Amount Dividend Rate APY
$1,000 0.399% 0.40%
$50,000 0.995% 1.00%
$100,000 1.243% 1.25%
$250,000 1.490% 1.50%
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.

Health Savings Account (HSA)

Effective Date: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.100% 0.10%
$1,000 0.200% 0.20%
$10,000 0.300% 0.30%
$25,000 0.399% 0.40%
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: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$1,000 0.100% 0.10%
$100,000 0.200% 0.20%
$250,000 0.300% 0.30%
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: October 01, 2022
Term Dividend Rate APY
Membership Savings1,2 0.050% 0.05%
Achiever Savings3 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings1 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: October 01, 2022
Account Type Minimum Amount Dividend Rate APY
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%
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: October 01, 2022
Account Type Minimum Amount Dividend Rate APY
  $1,000 0.100% 0.10%
  $100,000 0.150% 0.15%
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: October 01, 2022
Type Dividend Rate APY
11 Month 2.896% 2.90%
25 month 3.113% 3.15%
36 Month Bump-Up 3.357% 3.40%
Annual Percentage Yield (APY) accurate as of the effective date above. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Rates for consumers with Ultra Checking may change after account is opened if rate bonus eligibility is not met. Fees may reduce earnings on the account. IRA eligible. Contact us for business share certificate specials.

Liquid Certificate

Effective Date: October 01, 2022
Type Minimum Amount Maximum Amount Dividend Rate APY
12 Month $2,500 $250,000 0.499% 0.50%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate

Effective Date: October 01, 2022
Type Minimum Amount Maximum Amount Dividend Rate APY
36 Month $500 $1,000,000 3.357% 3.40%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

Share & IRA Certificates - $500 Minimum

Effective Date: October 01, 2022
Type Dividend Rate APY
60 Months 1.095% 1.10%
48-59 Months 0.947% 0.95%
36-47 Months 0.847% 0.85%
24-35 Months 0.798% 0.80%
18-23 Months 0.748% 0.75%
12-17 Months 0.499% 0.50%
6-11 Months 0.200% 0.20%
3-5 Months 0.150% 0.15%
Annual Percentage Yield (APY) accurate as of the effective date above. 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: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$1,000 0.150% 0.15%
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. This product is only available as a consumer account.

Elevate Money Market

Effective Date: October 01, 2022
Minimum Amount Dividend Rate APY
$1,000 0.399% 0.40%
$50,000 0.995% 1.00%
$100,000 1.243% 1.25%
$250,000 1.490% 1.50%
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.

Health Savings Account (HSA)

Effective Date: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.100% 0.10%
$1,000 0.200% 0.20%
$10,000 0.300% 0.30%
$25,000 0.399% 0.40%
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: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$1,000 0.100% 0.10%
$100,000 0.200% 0.20%
$250,000 0.300% 0.30%
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: October 01, 2022
Term Dividend Rate APY
Membership Savings1,2 0.050% 0.05%
Achiever Savings3 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings1 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: October 01, 2022
Account Type Minimum Amount Dividend Rate APY
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%
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: October 01, 2022
Account Type Minimum Amount Dividend Rate APY
  $1,000 0.100% 0.10%
  $100,000 0.150% 0.15%
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: October 01, 2022
Type Dividend Rate APY
11 Month 2.896% 2.90%
25 month 3.113% 3.15%
36 Month Bump-Up 3.357% 3.40%
Annual Percentage Yield (APY) accurate as of the effective date above. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Rates for consumers with Ultra Checking may change after account is opened if rate bonus eligibility is not met. Fees may reduce earnings on the account. IRA eligible. Contact us for business share certificate specials.

Liquid Certificate

Effective Date: October 01, 2022
Type Minimum Amount Maximum Amount Dividend Rate APY
12 Month $2,500 $250,000 0.499% 0.50%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate

Effective Date: October 01, 2022
Type Minimum Amount Maximum Amount Dividend Rate APY
36 Month $500 $1,000,000 3.357% 3.40%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

Share & IRA Certificates - $500 Minimum

Effective Date: October 01, 2022
Type Dividend Rate APY
60 Months 1.095% 1.10%
48-59 Months 0.947% 0.95%
36-47 Months 0847% 0.85%
24-35 Months 0.798% 0.80%
18-23 Months 0.748% 0.75%
12-17 Months 0.499% 0.50%
6-11 Months 0.200% 0.20%
3-5 Months 0.150% 0.15%
Annual Percentage Yield (APY) accurate as of the effective date above. 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: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$1,000 0.150% 0.15%
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. This product is only available as a consumer account.

Elevate Money Market

Effective Date: October 01, 2022
Minimum Amount Dividend Rate APY
$1,000 0.399% 0.400%
$50,000 0.995% 1.00%
$100,000 1.243% 1.25%
$250,000 1.490% 1.50%
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.

Health Savings Account (HSA)

Effective Date: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.100% 0.10%
$1,000 0.200% 0.20%
$10,000 0.300% 0.30%
$25,000 0.399% 0.40%
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: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$1,000 0.100% 0.10%
$100,000 0.200% 0.20%
$250,000 0.300% 0.30%
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: October 01, 2022
Term Dividend Rate APY
Membership Savings1,2 0.050% 0.05%
Achiever Savings3 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings1 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: October 01, 2022
Account Type Minimum Amount Dividend Rate APY
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%
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: October 01, 2022
Account Type Minimum Amount Dividend Rate APY
  $1,000 0.100% 0.10%
  $100,000 0.150% 0.15%
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: October 01, 2022
Type Dividend Rate APY
11 Month 2.869% 2.90%
25 month 3.113% 3.15%
36 Month Bump-Up 3.357% 3.40%
Annual Percentage Yield (APY) accurate as of the effective date above. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Rates for consumers with Ultra Checking may change after account is opened if rate bonus eligibility is not met. Fees may reduce earnings on the account. IRA eligible. Contact us for business share certificate specials.

Liquid Certificate

Effective Date: October 01, 2022
Type Minimum Amount Maximum Amount Dividend Rate APY
12 Month $2,500 $250,000 0.0499% 0.50%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate

Effective Date: October 01, 2022
Type Minimum Amount Maximum Amount Dividend Rate APY
36 Month $500 $1,000,000 3.357% 3.40%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

Share & IRA Certificates - $500 Minimum

Effective Date: October 01, 2022
Type Dividend Rate APY
60 Months 0.947% 0.95%
48-59 Months 0.847% 0.55%
36-47 Months 0.698% 0.70%
24-35 Months 0.599% 0.60%
18-23 Months 0.549% 0.55%
12-17 Months 0.399% 0.40%
6-11 Months 0.200% 0.20%
3-5 Months 0.150% 0.15%
Annual Percentage Yield (APY) accurate as of the effective date above. 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: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$1,000 0.150% 0.15%
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. This product is only available as a consumer account.

Elevate Money Market

Effective Date: October 01, 2022
Minimum Amount Dividend Rate APY
$1,000 0.399% 0.40%
$50,000 0.995% 1.00%
$100,000 1.243% 1.25%
$250,000 1.490% 1.50%
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.

Health Savings Account (HSA)

Effective Date: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.100% 0.10%
$1,000 0.200% 0.20%
$10,000 0.300% 0.30%
$25,000 0.399% 0.40%
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: October 01, 2022
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$1,000 0.100% 0.10%
$100,000 0.200% 0.20%
$250,000 0.300% 0.30%
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: October 01, 2022
Term Dividend Rate APY
Membership Savings1,2 0.050% 0.05%
Achiever Savings3 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings1 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: October 01, 2022
Account Type Minimum Amount Dividend Rate APY
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%
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: October 01, 2022
Account Type Minimum Amount Dividend Rate APY
  $1,000 0.100% 0.10%
  $100,000 0.150% 0.15%
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