Savings Rates
Watch your savings grow with our free high yield savings account options. We have solutions to fit your needs, whether you want to save up for a large purchase, start an emergency fund, or plan for the future. Check out our rates and open an account online, over the phone, or in person today!
Shares Savings Rates
Savings Account Rates
| Type | Interest Rate | APY* |
|---|---|---|
| Share Savings (for balances on $5.00 or more) | 0.01% | 0.01% |
| Christmas Savings | 0.01% | 0.01% |
| Vacation Savings | 0.01% | 0.01% |
| Health Savings (HSA) | 0.25% | 0.25% |
| Rates accurate as of Feb 15, 2025 |
All youth under the age of 18 will receive an additional 0.25% APY to the stated rates unless otherwise noted.
*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.
Certificate of Deposit Rates
Share, Traditional IRA, Roth IRA, HSA,^ Coverdell Education & Jumbo Certificate Rates
Minimum opening deposit for Jumbo CDs is $100,000.00. Minimum opening deposit for all other CDs is $50.00 unless otherwise noted below.
| Term | Interest Rate | APY* |
|---|---|---|
| 3 months 1 | 0.499% | 0.500% |
| 6 months 1 | 1.243% | 1.250% |
| 8-month special4 | 4.07% | 4.15% |
| 9 months1 | 1.243% | 1.250% |
| 12 months1 | 1.490% | 1.500% |
| 13-month special5 | 3.74% | 3.80% |
| 18 months1 | 1.490% | 1.500% |
| 24 months1 | 1.588% | 1.600% |
| 30 months1 | 1.588% | 1.600% |
| 36 months1 | 1.933% | 1.950% |
| 48 months1 | 2.031% | 2.050% |
| 60 months11 | 2.129% | 2.150% |
| 12 month add-on2^ | 1.490% | 1.500% |
| Jumbo 12 months3 | 1.736% | 1.750% |
| Jumbo 24 months3 | 1.834% | 1.850% |
| Jumbo 36 months3 | 2.178% | 2.200% |
| Jumbo 48 months3 | 2.276% | 2.300% |
| Jumbo 60 months3 | 2.374% | 2.400% |
| Rates accurate as of Feb 15, 2025 |
All youth under the age of 18 will receive an additional 0.25% APY to the stated rates unless otherwise noted. A penalty fee may be imposed if you withdrawal funds prior to the maturity date. Insured by NCUA.
*APY= Annual Percentage Yield.
1 Rate Protector allows a one time rate adjustment for 3-36 month term CDs and a two time rate adjustment for 37-60 month term CDs with no penalties or fees.
2 12 month add-on not eligible for additional 0.25% APY youth rate bump or rate protector adjustment. 12-month add-on CD not eligible for IRA CD’s. HSA CD only available on the 12-month add-on CD rate and term. Contact a member service representative to open an HSA CD.
3 Jumbo CD not available for Coverdell Education Savings Accounts.
4 8-MONTH CD SPECIAL. Not applicable for Public Funds. Online/mobile opening not available. To receive the above stated 8-month term at 4.15% APY, 8-month CD must be opened with a minimum balance of $1,000. Early withdrawal penalty is 90 days of interest for promotional terms. 8-month CD special is not eligible for rate protector, a one-time rate bump over the course of the term. 8-month CD special will renew at the standard 9-month terms upon maturity.
5 13-MONTH CD SPECIAL. Not applicable for Public Funds. Online/mobile opening not available. To receive the above stated 13-month term at 3.80% APY, 13-month CD must be opened with a minimum balance of $1,000. Early withdrawal penalty is 90 days of interest for promotional terms. 13-month CD special is not eligible for rate protector, a one-time rate bump over the course of the term. 13-month CD special will renew at the standard 12-month terms upon maturity.
Money Market Rates
Amplify Money Market Rate
| Amount | Base Rate | Base APY* | Bonus Rate | Bonus APY** |
|---|---|---|---|---|
| $0.01 and up | 0.50% | 0.50% | 3.93% | 4.00% |
| Rates accurate as of Feb 15, 2025 |
*APY = Annual Percentage Yield. Rates accurate as of 11/1/24. $0.01 minimum deposit required to earn the base dividend of 0.50% APY. **An additional bonus dividend of 3.50% APY requires at least 1 cleared credit card transaction per month on a Select Credit Card or Select Rewards Credit Card account AND at least 1 cleared signature-based or PIN-based point of sale (POS) debit transaction per month (PIN-based ATM transactions not eligible) on a Benefits Checking or Connect Checking account – In order to satisfy the relationship bonus dividend requirements, credit card and debit card transactions must be from accounts within the same membership as the Amplify Money Market account and transactions must be posted by 5:00 PM EST on the last business day of the month. Please note that Honor posts transactions based on how they are received from merchants. Accounts meeting both of the qualifying requirements will earn a total dividend of 4.00% APY. Rates are variable and subject to change without notice. Insured by NCUA.
Surge Money Market Rates
| Amount | Interest Rate | APY* |
|---|---|---|
| $0.01 - $1,000.00 | 3.93% | 4.00% |
| $1,000.01 - $2,500.00 | 1.98% | 2.80% - 4.00% |
| $2,500.01 - $5,000.00 | 0.99% | 1.90% - 2.80% |
| $5,000.01 - $10,000.00 | 0.50% | 1.20% - 1.90% |
| $10,000.01 - $1,000,000.00 | 0.25% | 0.26% - 1.20% |
| Rates accurate as of Feb 15, 2025 |
*APY = Annual Percentage Yield. Rates accurate as of 11/1/24. $.01 minimum balance required to earn up to 4.00% APY. Surge Money Market is a blended tiered rate account which pays a different rate on the amount of funds in each tier. Each rate will apply only to the portion of the account balance within each tier and not the entire account balance. A higher daily balance, when moving up the tiers, will result in a lower APY being earned. One account per membership. Rates are variable and subject to change without notice. Insured by NCUA.
Momentum Money Market Rates
| Amount | Interest Rate | APY* |
|---|---|---|
| $2,500.00 - $49,999.99 | 0.15% | 0.15% |
| $50,000.00 - $99,999.99 | 0.30% | 0.30% |
| $100,000.00 - $249,999.99 | 0.60% | 0.60% |
| $250,000.00 - $499,999.99 | 0.80% | 0.80% |
| $500,000.00 + | 0.99% | 1.00% |
| Rates accurate as of Feb 15, 2025 |
*APY= Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. By federal regulation, some restrictions may apply.
Benefits Checking Rates
Benefits Checking Account Rates
| Amount | Interest Rate | APY* |
|---|---|---|
| $0.01 - $10,000.00 | 5.03% | 5.15% |
| Rates accurate as of Feb 15, 2025 |
APY = Annual Percentage Yield. Rates accurate as of 11/1/24, $25 minimum deposit required to open. Earn the 5.15% APY on balances of up to $10,000.00. Members not meeting the Dividend Requirements will not earn dividends. Dividend Requirements are e-Statements, Direct Deposit, at least 20 debit card transactions per month that clear your account as signature-based or PIN-based point of sale (POS) debit transactions (PIN-based ATM transactions not eligible; please note that Honor posts transactions based on how they are received from merchants) and minimum 1 monthly online banking login. ^ATM foreign surcharge fees will be refunded monthly up to $20/month. Members not meeting requirements will not earn ATM foreign surcharge fee refunds. No free checks offered on this account. One account per Member. Rate is variable and may change after account is opened. Insured by NCUA.
IRA Rates
Traditional IRA, Roth IRA, Coverdell Education Savings Account Rates
| Interest Rate | APY* |
|---|---|
| 0.20% | 0.20% |
| Rates accurate as of Feb 15, 2025 | |
| *APY = Annual Percentage Yield. |
*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Insured by NCUA.
