Rates

Checking Accounts

Built around the must-haves in life: convenience, predictability, and getting more from your money.

Amount on Deposit

Nominal Dividend RateAnnual Percentage Yield (APY)
$0.00 – $49,999.99 0.00%0.00%
$50,000.00 and up 0.045% 0.05%

Savings Accounts

Earn the dividends you deserve (and that the piggy bank won’t give you).

Account TypeMinimum on Deposit to Earn DividendsNominal Dividend RateAnnual Percentage Yield (APY)
Primary Membership Account$250.000.095%0.10%
Other Savings Account$100.00 0.095%0.10%
Vacation Club Savings$100.00 0.095%0.10%
Christmas Club Savings$100.000.095%0.10%
Teacher’s Club Savings$100.000.095% 0.10%

Youth Accounts

If the kids already swear they’re smarter than you are, help them prove it with an account that supports smart money decisions.

Account TypeMinimum on Deposit to Earn DividendsNominal Dividend RateAnnual Percentage Yield (APY)
Super Squirrels Savings Account


Tier 1$0.00 – $499.990.595%0.60%
Tier 2$500.00 – $1,999.990.395%0.40%
Tier 3$2,000.00 and up0.195%0.20%
Generation One Savings Account


Tier 1$0.00 – $499.990.595%0.60%
Tier 2$500.00 – $1,999.990.395%0.40%
Tier 3$2,000.00 and up0.195%0.20%

Choice Money Market Shares

Earn more now with tiered dividends and competitive rates.

TermDeposit Range*
Dividend RateAnnual Percentage Yield (APY)
Tier 1$2,000.00 – $9,999.990.695%0.70%
Tier 2$10,000.00 – $24,999.990.995%1.00%
Tier 3$25,000.00 – $49,999.991.735%1.75%
Tier 4$50,000.00 – $99,999.991.835%1.85%
Tier 5$100,000.00+2.080%2.10%

Share Certificates

High yield with a low minimum balance requirement.

TermMinimum BalanceDividend RateAnnual Percentage Yield (APY)
6-Month$1,000.00as high as 0.945%as high as 0.95%
9-Month$1,000.00as high as 0.945%as high as 0.95%
11-Month$5,000.002.13% 2.15%
12-Month$1,000.00as high as 0.945%as high as 0.95%
12-Month No Penalty$1,000.000.195%0.20%
14-Month$10,000.002.520%2.55%
15-Month$1,000.00as high as 0.945%as high as 0.95%
18-Month$1,000.00as high as 0.945%as high as 0.95%
19-Month$10,0002.62%
2.65%
21-Month$1,000.00as high as 1.145%as high as 1.15%
24-Month$1,000.00as high as 1.145%as high as 1.15%
36-Month$1,000.00as high as 1.645%as high as 1.66%
48-Month$1,000.00as high as 2.045%as high as 2.06%
60-Month$10,000.003.200%3.25%
Super Squirrels and Generation One Certificates  $500.00 0.795%0.80%

IRA Savings Account

Built to keep things simple so you can start investing now.

TypeMinimum BalanceDividend RateAnnual Percentage Yield (APY)
Variable Educational (Coverdell) IRA  $50.00 0.295% 0.30%
Variable IRA Account  $50.00 0.295% 0.30%
IRA Builder Account $50.00 0.295% 0.30%

Traditional / Roth IRA Certificates

Prepare for retirement, and even take advantage of tax deductions.*

TermMinimum BalanceDividend RateAnnual Percentage Yield (APY)
One Year$1,000.001.490%1.50%
Two Year$1,000.001.790%1.80%
Three Year$1,000.001.985%2.00%
Four Year$1,000.002.230%2.25%
Five Year$1,000.002.475%2.50%
Seven Year$1,000.002.720%2.75%

For more information about our rates, please contact us at 800-666-8811 or visit a Member One retail center location.

*The minimum deposit required to earn dividends is $2,000.

Rates Effective December 17, 2018

APY is Annual Percentage Yield. Refer to the Member Account Agreement for the Truth in Savings Disclosure related to these accounts. Rates subject to change without notice. Minimum deposit required to earn dividends varies, please speak to a member representative for more information. Fees may reduce earnings on accounts. Early withdrawal penalties may be imposed for certificate accounts.

*Consult a tax professional for more information.

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