Today’s deposit rates

Build your savings nest egg knowing your money is safe and secure, ready for your future. Several options are designed to help you meet your short- and long-term saving goals.

Checking accounts

Rates as of date

Each account holder agrees to the terms set forth on this Account Rate schedule and acknowledges that it and the truth in savings disclosure are part of the Membership and Account Agreement.

Accounts Minimum Balance to Open Account Minimum Balance to Earn Dividends Dividend rate / Annual percentage yield
Free/TLT Checking Enhanced $25 NA NA / NA
Free/TLT Checking Premier $25 NA NA / NA
Platinum Checking $25 $1,000*** 0.01%** / 0.01%**

** No dividends will be paid for members in the Essential category. Premier Category: Four or more account types and a combined deposit and loan balance of more than $25,000. Enhanced Category: Three or more account types and a combined deposit and loan balance of more than $5,000 and up to $25,000; or three account types and a combined deposit and loan balance of more than $25,000. Essential Category: One or more account types or a combined balance of up to $5,000.

*** Dividends paid monthly for the days on which the balance equals or exceeds $1,000.

Savings accounts

Rates as of date

Each account holder agrees to the terms set forth on this Account Rate schedule and acknowledges that it and the truth in savings disclosure are part of the Membership and Account Agreement.

Accounts Minimum Balance to Open Account Minimum Balance to Earn Dividends Dividend rate / Annual percentage yield
Basic Savings* $5 $100** 0.03% / 0.03%
Scottie Savers $5 $5** 0.03% / 0.03%
TLT Savings $5 $5** 0.03% / 0.03%

* Basic Savings must maintain a minimum daily balance above $250 or, if below $250, have one other account type to avoid a $3 service fee per calendar month. If you have multiple Basic Savings Accounts, each account may receive a separate fee based on each individual balance. $3 fee not applicable to Scottie Savers or TLT Accounts.

** Minimum balance that must be maintained each day to earn dividends.

Money market accounts

Rates as of date

Each account holder agrees to the terms set forth on this Account Rate schedule and acknowledges that it and the truth in savings disclosure are part of the Membership and Account Agreement.

Accounts Minimum Balance to Open Account Minimum Balance to Earn Dividends Dividend rate / Annual percentage yield
Money Market* $5 ** 0.05% / 0.05%
Investor’s Money Market*** $10,000 ** See chart below

* Minimum balance to avoid $15 fee is $1,000.

** No minimum balance required to earn dividends.

*** Minimum balance to avoid $20 fee is $10,000.

Investor’s money market

Rates as of date

Each account holder agrees to the terms set forth on this Account Rate schedule and acknowledges that it and the truth in savings disclosure are part of the Membership and Account Agreement.

Balance Ranges Dividend Rate Annual Percentage Yield
$0 – $9,999 N/A N/A
$10,000 – $24,999 0.10% 0.10%
$25,000 – $49,999 0.12% 0.12%
$50,000 – $99,999 0.15% 0.15%
$100,000 and up 0.20% 0.20%
  • Service fees: $20 minimum balance fee, $55 for early closure if account held less than three months.

Certificate accounts

Rates as of date

Each account holder agrees to the terms set forth on this Account Rate schedule and acknowledges that it and the truth in savings disclosure are part of the Membership and Account Agreement.

Term Dividend Rate/APY ($500 – $24,999) Dividend Rate/APY ($25,000 – $99,999) Dividend Rate/APY ($100,000+)
182 – 364 days 0.05% / 0.05% 0.05% / 0.05% 0.05% / 0.05%
12 – 24 months 0.10% / 0.10% 0.20% / 0.20% 0.25% / 0.25%
24 – 36 months 0.25% / 0.25% 0.50% / 0.50% 0.55% / 0.55%
36 – 48 months 0.55% / 0.55% 0.75% / 0.75% 0.85% / 0.85%
48 – 60 months 0.65% / 0.65% 0.85% / 0.85% 1.00% / 1.00%

Certificate account disclosure

Certificate account rates apply to both regular certificates and IRA certificates. IRA Certificates must have terms of 12 months or greater. In the following chart, rates listed under APY indicate Annual Percentage Yield (APY) after compounding daily and posting monthly.

Health savings accounts

Rates as of date

Each account holder agrees to the terms set forth on this Account Rate schedule and acknowledges that it and the truth in savings disclosure are part of the Membership and Account Agreement.

Accounts Minimum Balance to Open Account Minimum Balance to Earn Dividends Dividend rate / Annual percentage yield
Health Savings $0 * 0.05% / 0.05%

* No minimum balance required to earn dividends

Individual retirement accounts

Rates as of date

Each account holder agrees to the terms set forth on this Account Rate schedule and acknowledges that it and the truth in savings disclosure are part of the Membership and Account Agreement.

Accounts Minimum Balance to Open Account Minimum Balance to Earn Dividends Dividend rate / Annual percentage yield
IRA $5 $5* 0.03% / 0.03%

* Minimum balance that must be maintained each day to earn dividends.