Savings Rates
Rates as of 10/01/2026, variable rates may change. Membership and eligibility required.
Savings Accounts
Regular, Youth & Teen Savings
| Balance or Term | Dividend Rate | APY | Min. Opening Balance |
|---|---|---|---|
| $0 and over | 0.05% | 0.05% | $5 |
Dividends are declared, paid, and compounded monthly.
Money Market
| Balance or Term | Dividend Rate | APY | Min. Opening Balance |
|---|---|---|---|
| $0 to $2,499.99 | 0.05% | 0.05% | $0 |
| $2,500.00 to $9,999.99 | 0.896% | 0.9% | $0 |
| $10,000.00 to $24,999.99 | 0.995% | 1% | $0 |
| $25,000.00 to $49,999.99 | 1.539% | 1.55% | $0 |
| $50,000.00 to $99,999.99 | 1.982% | 2% | $0 |
| $100,000.00 to $249,999.99 | 2.521% | 2.55% | $0 |
| $250,000.00 to $499,999.99 | 3.3% | 3.35% | $0 |
| $500,000.00 to $999,999.99 | 3.3% | 3.35% | $0 |
| $1,000,000.00 and over | 3.639% | 3.7% | $0 |
Dividends are declared, paid, and compounded monthly.
Basic Checking
| Balance or Term | Dividend Rate | APY | Min. Opening Balance |
|---|---|---|---|
| $0 to $49,999.99 | 0.05% | 0.05% | $0 |
| $50,000 and over | 0.1% | 0.1% | $0 |
Dividends are declared, paid, and compounded monthly.
Dream Rewards Checking
| Balance or Term | Dividend Rate | APY | Min. Opening Balance |
|---|---|---|---|
| $0 to $49,999.99 | 0.05% | 0.05% | $0 |
| $50,000 and over | 0.1% | 0.1% | $0 |
Dividends are declared, paid, and compounded monthly.
Fresh Start Checking
| Balance or Term | Dividend Rate | APY | Min. Opening Balance |
|---|---|---|---|
| $0 and over | 0% | 0% | $0 |
Dividends are declared, paid, and compounded monthly.
Dream Round Up Savings
| Balance or Term | Dividend Rate | APY | Min. Opening Balance |
|---|---|---|---|
| N/A | 9.569% | 10% | $0 |
Dividends are declared, paid, and compounded monthly. Available only with Dream Rewards Checking; Fresh Start and Business Accounts are not eligible.
IRA Shares
| Balance or Term | Dividend Rate | APY | Min. Opening Balance |
|---|---|---|---|
| $0 to $2,499.99 | 0.05% | 0.05% | $0 |
| $2,500.00 to $9,999.99 | 0.896% | 0.9% | $0 |
| $10,000.00 to $24,999.99 | 0.995% | 1% | $0 |
| $25,000.00 to $49,999.99 | 1.539% | 1.55% | $0 |
| $50,000.00 and over | 1.982% | 2% | $0 |
Dividends are declared, paid, and compounded monthly.
Regular & IRA Certificates
| Balance or Term | Dividend Rate | APY | Min. Opening Balance |
|---|---|---|---|
| 6 month | 3.784% | 3.85% | $500 |
| 12 month | 3.832% | 3.9% | $500 |
| 18 month | 3.88% | 3.95% | $500 |
| 24 month | 3.977% | 4.05% | $500 |
| 36 month | 3.928% | 4% | $500 |
| 48 month | 3.928% | 4% | $500 |
| 60 month | 3.928% | 4% | $500 |
Early withdrawal penalties may apply. Share Certificates require an initial deposit of at least $500. Dream Certificates may be opened with $20 and recurring deposits; additional published limits and promotional-rate restrictions apply.
Dream Certificates
| Balance or Term | Dividend Rate | APY | Min. Opening Balance |
|---|---|---|---|
| 6 month | 3.784% | 3.85% | $20 |
| 12 month | 3.832% | 3.9% | $20 |
| 18 month | 3.88% | 3.95% | $20 |
| 24 month | 3.977% | 4.05% | $20 |
| 36 month | 3.928% | 4% | $20 |
| 48 month | 3.928% | 4% | $20 |
| 60 month | 3.928% | 4% | $20 |
Early withdrawal penalties may apply. Share Certificates require an initial deposit of at least $500. Dream Certificates may be opened with $20 and recurring deposits; additional published limits and promotional-rate restrictions apply.
Teen Learn & Earn Savings
| Balance or Term | Dividend Rate | APY | Min. Opening Balance |
|---|---|---|---|
| $0.00 to $1,000.00 | 4.889% | 5% | $0 |
| $1,000.01 and over | 0.05% | 0.05% | $0 |
Dividends are declared, paid, and compounded monthly. Rates are subject to change. The published tiered rate applies through $1,000.00; higher balances earn the Regular Share Savings rate.