Reward student success with financial empowerment
Get a checking and savings package without the monthly fees, and perks that keep young members engaged.
Benefits You’ll Love
- Receive $10 cash after reaching milestones
- Enjoy free checking with a personalized debit card
- Build a financial cushion for yourself with a free savings account
- Manage cash or transfer funds conveniently from anywhere there’s internet
- $10 CASH when you reach the following milestones:
- Account opening
- Straight A's on your year-end report card
- Refer two friends
- Available to students age 14 - 23^
- No monthly service fee
- Members age 18 and above may be eligible for $150 in Courtesy Pay
- Members age 18 and above may be eligible for a $250 share secured Visa®
- Parent or Guardian must remain on the account until the student is 18^
- Courtesy Pay with a reduced fee of $15 for those 18 years and older
- Must present student ID at account opening
- Free digital banking services, including:
- Free online banking & bill pay
- Free mobile banking with mobile deposit
- Free eStatements
- Free personalized Mastercard® debit card^
- No minimum deposit to open
^If the primary account holder is under the age of 18, a parent or legal guardian must jointly be on the account until the minor turns 18. To be eligible for this account, members must be 14 years of age or older. For members 18 and over, the FIS report determines which checking account the individual qualifies for. Qualifications apply.
Use this calculator to determine your projected earnings from our Reward Checking account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Individual Retirement Account (IRA)
| Balance Required to Earn Dividends | Rate | APY |
|---|---|---|
| $0 - $24,999.99 | 0.55% | 0.55% |
| $25,000 - $49,999.99 | 0.70% | 0.70% |
| $50,000 - $99,999.99 | 0.80% | 0.80% |
| $100,000+ | 2.50% | 2.50% |
Money Market Account
| Balance Required to Earn Dividends | Rate | APY |
|---|---|---|
| $2,500 - $24,999.99 | 1.80% | 1.80% |
| $25,000 - $49,999.99 | 1.85% | 1.85% |
| $50,000 - $74,999.99 | 1.90% | 1.90% |
| $75,000 - $99,999.99 | 1.95% | 1.95% |
| $100,000 or more | 2.00% | 2.00% |
| $150,000.00 or more* | 2.75% | 2.75% |
*Elite Money Market Account
Share Accounts
| Account | Balance Required to Earn Dividends | Rate | APY |
|---|---|---|---|
| Member Savings | $0 - $9,999.99 | 0.05% | 0.05% |
| Member Savings | $10,000 - $24,999.99 | 0.05% | 0.05% |
| Member Savings | $25,000+ | 0.10% | 0.10% |
| Prime Time Club | Bonus on all balances** | 0.15% | 0.15% |
| Simply MORE! Checking* | $0 - $10,000 | 1.25% | 1.25% |
| Simply MORE! Checking* | $10,000.01 or more | 0.25% | 0.25% |
| Christmas Club | All balances | 0.05% | 0.05% |
All savings rates quoted as annual percentage yields. All share accounts other than Share 0 will be paid the Tier 1 dividend.
*Calculated on average daily balance.
**Bonus rate applies only to member's main share savings account.
Share Certificates
| Type | Term | Minimum Balance Required | Rate | APY |
|---|---|---|---|---|
| Share Certificate | 6 Month | $1,000 | 1.74% | 1.75% |
| Share Certificate | 9 Month | $1,000 | 1.74% | 1.75% |
| Share Certificate | 12 Month | $1,000 | 2.58% | 2.60% |
| Share Certificate | 15 Month | $1,000 | 2.58% | 2.60% |
| Share Certificate | 18 Month | $1,000 | 2.62% | 2.65% |
| Share Certificate | 21 Month | $1,000 | 2.62% | 2.65% |
| Share Certificate | 24 Month | $1,000 | 2.72% | 2.75% |
| Share Certificate | 27 Month | $1,000 | 2.72% | 2.75% |
| Share Certificate | 30 Month | $1,000 | 2.77% | 2.80% |
| Share Certificate | 33 Month | $1,000 | 2.77% | 2.80% |
| Share Certificate | 36 Month | $1,000 | 2.77% | 2.80% |
| Share Certificate | 48 Month | $1,000 | 2.87% | 2.90% |
| Share Certificate | 60 Month | $1,000 | 3.02% | 3.05% |
| YOUTH Share Certificates | Term | Minimum Balance Required | Rate | APY |
|---|---|---|---|---|
| Youth Share Certificate | 6 Month | $250 | 1.74% | 1.75% |
| Youth Share Certificate | 9 Month | $250 | 1.74% | 1.75% |
| Youth Share Certificate | 12 Month | $250 | 2.58% | 2.60% |
| IRA Share Certificates | Term | Minimum Balance Required | Rate | APY |
|---|---|---|---|---|
| IRA Share Certificate | 24 Month | $1,000 | 2.72% | 2.75% |
| IRA Share Certificate | 36 Month | $1,000 | 2.77% | 2.80% |
| IRA Share Certificate | 48 Month | $1,000 | 2.87% | 2.90% |
| IRA Share Certificate | 60 Month | $1,000 | 3.02% | 3.05% |
All Share Certificate Rates subject to change without notice. Penalty for early withdrawal.