Deposit Rates
Discover our deposit rates
Check out our deposit rates below or click to explore home loan and consumer loan rates.
Checking
Dividend Checking
| 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. $6 monthly service fee waived with $250 minimum balance; fees may reduce earnings.
Savings
Primary, Additional and Youth Savings
| 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. $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.
Solarity Savers
Earn our highest available rate
| Account | APY* | Minimum balance to earn APY |
|---|---|---|
| Qualified rate | 5.00% | $0.01 |
| Non-qualified rate | 0.05% | $0.01 |
Disclosures
*Annual Percentage Yield (APY) effective as of date shown; rates subject to change after account opening. $5 minimum to open; $0.01 minimum to earn APY. To earn the advertised APY, post and settle 20+ member-initiated transactions per month in a linked Solarity checking account. If qualifications are not met, account will earn 0.05% APY. Limit one Solarity Savers account per membership; not available for businesses. Fees may reduce earnings. Upon enrollment, dividends earned on eligible deposit accounts will be automatically transferred into your Solarity Savers account. Dividend transfers are capped at $4,000 per year. Dividends from Bonus Savings, business accounts, IRAs and other tax-advantaged accounts are not eligible. One-time opening deposit limit applies; additional member-initiated deposits are not permitted.
Bonus Savings
Get rewarded for using your debit card
| Account | APY* | Minimum balance to earn APY |
|---|---|---|
| Qualified Rate | 3.05% | $0.01 – $10,000 |
| Qualified Rate | 3.05% to 0.05% | $10,000.01+ |
| Non-Qualified Rate | 0.05% | $0.01 |
Disclosures
*Annual Percentage Yield (APY) effective as of date shown. Fees may reduce earnings. Minimum to open is $5. Earn 3.05% APY on balances up to $10,000 and 0.05% APY on balances over $10,000 when you settle and clear 20+ debit card purchases per month with a linked Solarity checking account and enroll in eStatements. If qualifications aren’t met, all balances earn 0.05% APY. Minimum to earn APY is $0.01. Rates and terms subject to change after account opening. Limit of one Bonus Savings per checking account.
Money Market
Earn higher rates for higher balances.
| *APY | Minimum balance to earn APY |
|---|---|
| 0.25% | $0.01 |
| 0.50% | $5,000 |
| 0.75% | $25,000 |
| 1.00% | $50,000 |
| 1.25% | $100,000 |
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 after account opening. $2,000 minimum opening deposit. Fees may reduce earnings.
Money Market Max
| *APY | Minimum balance to earn APY |
|---|---|
| 0.25% | $0.01 |
| 0.50% | $5,000 |
| 1.25% | $25,000 |
| 1.75% | $50,000 |
| 2.25% | $100,000 |
| 2.25% | $250,000 |
| 2.25% | $500,000 |
Disclosures
Certificates
| Term | *APY | Minimum to open and earn APY |
|---|---|---|
| 3 months | 0.05% | $500 |
| 3 months | 0.15% | $10,000 |
| 3 months | 0.20% | $75,000 |
| 6 months | 0.05% | $500 |
| 6 months | 0.25% | $10,000 |
| 6 months | 0.25% | $75,000 |
| 12 months | 0.10% | $500 |
| 12 months | 0.45% | $10,000 |
| 12 months | 0.50% | $75,000 |
| 24 months | 0.15% | $500 |
| 24 months | 0.50% | $10,000 |
| 24 months | 0.55% | $75,000 |
| 36 months | 0.20% | $500 |
| 36 months | 0.50% | $10,000 |
| 36 months | 0.55% | $75,000 |
| 48 months | 0.25% | $500 |
| 48 months | 0.50% | $10,000 |
| 48 months | 0.55% | $75,000 |
Disclosures
*Annual Percentage Yield (APY). Does not apply to IRAs. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Certificate special
| Term | *APY | Minimum to open and earn APY |
|---|---|---|
| 13 months | 3.75% | $10,000 |
| 26 months | 3.04% | $25,000 |
Disclosures
*Annual Percentage Yield effective as of date shown. Does not apply to IRAs. Fees may reduce earnings. Maximum opening deposit of $1 million. A penalty may be imposed for early withdrawal.
IRA Savings (Traditional and Roth)
| Account | APY* | Minimum balance to earn APY |
|---|---|---|
| IRA Savings | 0.20% | $0.01 |
Disclosures
IRA Certificates (Traditional and Roth)
| Term | APY* | Minimum balance to earn APY |
|---|---|---|
| 12 months | 0.10% | $500 |
| 12 months | 3.80% | $10,000 |
| 12 months | 3.80% | $75,000 |
| 24 months | 0.15% | $500 |
| 24 months | 2.85% | $10,000 |
| 24 months | 2.85% | $75,000 |
| 36 months | 0.25% | $500 |
| 36 months | 2.85% | $10,000 |
| 36 months | 2.85% | $75,000 |
Disclosures
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