Deposit Rates
Effective October 1, 2025
Personal Savings
| Account | Rate | APY | Paid |
|---|---|---|---|
| Regular Share and Club Accounts Average Balances $100 - $2,999 Average Balances > $3,000 |
0.10% 0.20% |
0.10% 0.20% |
Quarterly Quarterly |
| Round-Up Savings^ | 5.00% | 5.10% | Quarterly |
| Variable Rate IRA Rates subject to change quarterly |
0.50% | 0.50% | Quarterly |
| High Rate Savings†† ($10,000 required average daily balance) |
3.93% | 4.00% | Monthly |
Checking & Money Market Account
| Account | Rate | APY | Paid |
|---|---|---|---|
| Guardian and Simplified Checking ($2,500 required average daily balance) |
0.05% | 0.05% | Monthly |
| Ultimate Checking† Average Balances up to $15,000 Average Balances > $15,000 |
4.41% 0.05% |
4.50% 0.05% |
Monthly |
| Premier Checking ($5,000 required average daily balance) |
0.20% | 0.20% | Monthly |
| Money Market+ ($2,500 daily balance required) $2,500 to $9,999.99 $10,000 to $24,999.99 $25,000 to $99,999.99 $100,000 to $249,999.99 $250,000 to $499,999.99 $500,000 and up |
2.96% 2.96% 2.96% 2.96% 2.96% 2.96% |
3.00% 3.00% 3.00% 3.00% 3.00% 3.00% |
Monthly Monthly Monthly Monthly Monthly Monthly |
Certificates of Deposit & IRA Certificates of Deposit
| Account | Rate | APY | Paid |
|---|---|---|---|
| Certificates of Deposit 6 Months* $500 Minimum 12 Months* $500 Minimum 18 Months* $500 Minimum 24 Months* $500 Minimum 36 Months* $500 Minimum 48 Months* $500 Minimum 60 Months* $500 Minimum |
3.78% 3.74% 3.59% 3.49% 3.45% 3.40% 3.35% |
3.85% 3.80% 3.65% 3.55% 3.50% 3.45% 3.40% |
Monthly Monthly Monthly Monthly Monthly Monthly Monthly |
Business
| Account | Rate | APY | Paid |
|---|---|---|---|
| Business Savings Average Balances $100 - $2,999 Average Balances > $3,000 |
0.10% 0.20% |
0.10% 0.20% |
Quarterly |
| Business Checking ($2,500 required average daily balance) |
0.05% | 0.05% | Monthly |
| Business Premier Checking ($5,000 required average daily balance) |
0.20% | 0.20% | Monthly |
| Business Money Market+ ($2,500 daily balance required) $2,500 to $9,999.99 $10,000 to $24,999.99 $25,000 to $99,999.99 $100,000 to $249,999.99 $250,000 to $499,999.99 $500,000 and up |
1.64% 1.69% 1.74% 2.42% 2.52% 2.52% |
1.65% 1.70% 1.75% 2.45% 2.55% 2.55% |
Monthly Monthly Monthly Monthly Monthly Monthly |
| Business Certificates of Deposit 6 Months* $500 Minimum 12 Months* $500 Minimum 18 Months* $500 Minimum 24 Months* $500 Minimum 36 Months* $500 Minimum 48 Months* $500 Minimum 60 Months* $500 Minimum |
3.78% 3.74% 3.59% 3.49% 3.45% 3.40% 3.35% |
3.85% 3.80% 3.65% 3.55% 3.50% 3.45% 3.40% |
Monthly Monthly Monthly Monthly Monthly Monthly Monthly |
Choose a Category
*Penalties may be applied for early withdrawal.
**Higher penalty may be applied for early withdrawal.
^Guardian Checking required to open account.
† Monthly minimum of $250 in debit card spending and 15 debit card transactions required to qualify
†† Ultimate Checking required to open account; must meet Ultimate Checking monthly requirements to earn dividends.
+ For Money Market Accounts, you may not make more than six regular withdrawals or transfers to another credit union account of yours or to a third party by means of a pre- authorized or automatic transfer or telephone order or instruction during any statement period. No more than three of the six transfers may be made by check, draft, debit card, if applicable or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account may be closed by us.
APY = Annual Percentage Yield
Rates are subject to change at any time.
