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Deposit Rates

 

Which deposit rates are you interested in?

 

Checking

Dividend Checking

Rates accurate as of February 23, 2024
APY* Minimum balance to earn APY
0.01% $250
0.06% $5,000
0.11% $25,000

Disclosures

*Annual Percentage Yield (APY) accurate as of date shown and subject to change. Dividends are compounded and credited monthly using the average daily balance method. $6 monthly service fee waived with $250 minimum balance; fees may reduce earnings.

 

 

Savings

Primary, Additional and Youth Savings

Rates accurate as of February 23, 2024
Account APY* Minimum balance to earn APY
Primary Savings 0.05% $5
Additional Savings 0.05% $5
Youth Savings 0.05% $5

Disclosures

*Annual Percentage Yield (APY) accurate as of date shown and is subject to change. Dividends are compounded daily and credited monthly using the daily balance method. $5 minimum opening deposit. $3 monthly service fee waived with $100 minimum balance; for Youth accounts (age 17 and under), $5 minimum balance to waive monthly service fee. Fee applies to members with only a Primary Savings Account. Fees may reduce earnings.

Bonus Savings

Earn 40x more than Solarity Primary savings

Rates accurate as of February 23, 2024
Account APY* Minimum balance to earn APY
Qualified Rate 2.01% $0.01
Non-Qualified Rate 0.05% $0.01

Disclosures
Annual Percentage Yield (APY). Rates and terms subject to change. Dividends are compounded daily and credited monthly using the daily balance method, Fees may reduce earnings. Minimum to open the account is $5; minimum to earn APY is $0.01. To earn the qualified rate of 2.01% APY, complete and settle 20+ debit card purchases per month in your linked Solarity checking account and be enrolled in eStatements. If qualifications are not met, account will earn the non-qualified rate of 0.05% APY. Limit of one Bonus Savings per checking account.

Money Market

Earn higher rates for higher balances.

Rates accurate as of February 23, 2024
Minimum balance to earn APY APY*
$0.01 0.25%
$5,000 0.50%
$25,000 0.75%
$50,000 1.00%
$100,000 1.25%

Disclosures

*Annual Percentage Yield (APY) accurate as of date shown. The APY we pay is based on the tier in which your balance falls. APYs are variable and subject to change. Dividends are compounded daily and credited monthly using the average daily balance method. $2,000 minimum opening deposit. Account may not be used as collateral for a loan. Fees may reduce earnings.

Money Market Max

Rates accurate as of February 23, 2024
Minimum balance to earn APY APY*
$0.01 0.25%
$5,000 0.50%
$25,000 2.45%
$50,000 3.45%
$100,000 3.95%

Disclosures
*Annual Percentage Yield (APY) effective as of date shown. The APY we pay is based on the tier in which your balance falls. APYs are variable and subject to change. Dividends are compounded and credited monthly using the average daily balance method. $25,000 minimum opening deposit. Account may not be used as collateral for a loan. Fees may reduce earnings. 

Certificates

Rates accurate as of February 23, 2024
Term Minimum balance to earn APY APY*
3 months $500 0.05%
3 months $10,000 0.15%
3 months $75,000 0.20%
6 months $500 0.05%
6 months $10,000 0.25%
6 months $75,000 0.25%
12 months $500 0.10%
12 months $10,000 0.45%
12 months $75,000 0.50%
24 months $500 0.15%
24 months $10,000 0.50%
24 months $75,000 0.55%
36 months $500 0.20%
36 months $10,000 0.50%
36 months $75,000 0.55%
48 months $500 0.25%
48 months $10,000 0.50%
48 months $75,000 0.55%

Disclosures

*Annual Percentage Yield (APY) accurate as of date shown and subject to change. Fixed rate for the term of your certificate; dividends are compounded daily and credited monthly or at maturity using the daily balance method. Certificate-secured loans available.

Deposit Rules: Additional deposits of $25 or higher are allowed to the certificate only by payroll deduction, direct deposit or account transfer when in conjunction with a payroll deposit.

Penalty for early withdrawal: certificates that are redeemed early shall have a penalty of 90 days of dividends on terms of 12 months or less, and 180 days of dividends on terms over 12 months.

Partial withdrawals of posted dividends are allowed prior to maturity without a penalty. The amount of the penalty may be deducted from the principal of the certificate if the dividend has previously been withdrawn. Penalties may be waived under certain circumstances. Fees may reduce earnings. 

Certificate Special

Rates accurate as of February 23, 2024
Term Minimum balance to earn APY APY*
7 months $10,000 4.85%

Disclosures
*Annual Percentage Yield (APY) effective as of date shown. Rates and terms subject to change. Fixed rate for the term of your certificate; dividends are compounded daily and credited monthly or at maturity using the daily balance method. Minimum of $10,000 required to open and earn APY for certificate special; maximum opening deposit of $1 million. Does not apply to IRAs. Certificate-secured loans available. Penalty for early withdrawal: certificates that are redeemed early shall have a penalty of 90 days of dividends on terms of 12 months or less, and 180 days of dividends on terms over 12 months. Partial withdrawals of posted dividends are allowed prior to maturity without a penalty. The amount of the penalty may be deducted from the principal of the Share Certificate if the dividend has previously been withdrawn. Penalties may be waived under certain circumstances. Fees may reduce earnings.

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