Searching for a great rate?
Take your savings to new horizons with three exceptional ways to earn bigger returns!
With a certificate account, enjoy a guaranteed rate for the full term. It’s a stable, secure way to save while earning higher returns than traditional savings or money market accounts. We also offer IRA certificates, which provide the same security and guaranteed returns while helping you save strategically for retirement.*
Looking for flexibility? Our Money Market Max account provides convenient access to your funds and higher rates on higher balances. The more you save, the more you earn!*
No matter which option you choose, a Solarity certificate or Money Market Max account can help you reach your financial goals faster. Don’t miss these great rates!
Compare Solarity savings accounts
| Savings account details | 7-month certificate | 12-month IRA certificate | Money Market Max |
|---|---|---|---|
| Best for someone who wants to... | Lock in a high guaranteed rate of return and maximize their earning potential to the fullest. | Rollover multiple individual retirement accounts into one account to reduce investment fees. | Safely store their savings in a liquid account while earning a higher interest rate than traditional savings. |
| Annual Percentage Yield (APY) | 4.50% | 4.25% | 2.75% |
| Minimum balance to earn APY | $10,000 | $500 | $100,000 |
| Minimum opening deposit | $10,000 | $500 | $25,000 |
| Annual service charge | NA | $20 | NA |
| Access to funds | Limited – partial withdrawals of posted dividends are allowed prior to maturity without a penalty. | Limited – funds may be subject to taxes and penalties if withdrawn before the age of 59½. | Flexible – access the money in your account when you need it without penalty. |
No matter which account you choose, Solarity digital banking makes life easy
Here's the scoop on certificate accounts
Guaranteed return
Your rate is locked in for the term of the certificate.
Multiple term options
Choose the timeframe that works best for you.
Certificate-secured loans available
Borrow money back from an active certificate, if needed.
IRA share certificates available
Consolidate multiple IRAs into one account to reduce investment fees.
See why our members choose us
At Solarity, we've been helping families, businesses and the community since 1939.
Solarity Credit Union has the same products and services you'll find at the big banks plus one very important thing they lack: employees who genuinely care about you as a person rather than a number.
Founded on the principle of people helping people, Solarity offers all the convenience you'd expect: multiple account options, free online and mobile banking, competitive rates and more. Open an account today to take advantage of everything membership has to offer.
We asked our members what they love about Solarity. Here's what they said.
Our members say it best:
More ways to save – Money Market accounts
Affordable
No monthly or annual service fees.
Tiered rates
The higher your balance, the higher your return.
Accessible
Unlimited transactions in-person, online, via the app or by check.
Certificate special rates and disclosures
| Term | APY* | Minimum balance to earn APY |
|---|---|---|
| 7 months | 4.50% | $10,000 |
| 26 months | 3.25% | $25,000 |
Disclosures
IRA certificate rates and disclosures
| Term | APY* | Minimum balance to earn APY |
|---|---|---|
| 12 months | 4.25% | $500 |
| 24 months | 4.00% | $500 |
| 36 months | 3.75% | $500 |
Disclosures
Money Market Max rates and disclosures
| APY* | Minimum balance to earn APY |
|---|---|
| 0.25% | $0.01 |
| 0.50% | $5,000 |
| 1.25% | $25,000 |
| 2.25% | $50,000 |
| 2.75% | $100,000 |
Disclosures
Ready to open an account?
We make opening your account FAST and EASY! See below for the ways you can get started.
By phone
Give us a call at 800.347.9222. We'll explain your options and help open your new account.
Call now
At a branch
Stop by any of our local branches and speak with one of our helpful branch experts.
See locations