Stabilize Your Money 

A high-yield savings account is a safe place to stash money for short-term savings goals, an emergency fund, or to hold while you decide what to do with it.  With an annual percentage yield higher than a regular savings account, you'll grow your money fast and protect your dollar in a rapidly changing economic environment. Get a sense of comfort knowing your money is safe and growing while remaining conveniently accessible should you need to access your funds.

Earn 2.00% APY*

check mark1 piggy bank hand holding money
Stability in a Volatile Market
Use as an Emergency Fund Keep Funds Accessible
Safeguard yourself against a volatile market. Inflation isn't slowing down so maximizing your savings is key. With a high-yield savings account, you'll be prepared to navigate a quickly changing market. Make regular deposits into your high-yield savings account for unexpected and unpredictable expenses. You'll have fast and easy access to your funds to quickly get out of a jam.
If you have a settlement, tax return, or inheritance and you're not sure what to do with it yet, a high-yield savings account is a safe place to keep it while you determine how you'll use the funds.

NCUA: Your deposits are federally insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration, a U.S. Government agency. 

*APY: Annual Percentage Yield

Rate Information: For dividend bearing accounts, the dividend rate and APY may change every dividend period based on the determination of the Credit Union Board of Directors. Your account will earn dividends according to the average daily balance in your account related to the table above. 

Minimum Balance to Avoid Fees: If the average daily balance shown above is not met during each day of the dividend period, you will be charged a service fee as stated in the Fee Schedule

Nature of Dividends: Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. 

Compounding and Crediting: The dividend period is monthly from the 1st day of each month to the last day of each month and dividends will be calculated on your Average Daily Balance for each day on which your balance equals or exceeds the required minimum balance. 

Balance Computation Method: For dividend bearing accounts, dividends are calculated by the Average Daily Balance method which applies a daily periodic rate to the principal in your account each month.  

Accrual on Dividends: Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. For dividend bearing accounts, dividends will begin to accrue on the business day that you deposit non-cash items (e.g. checks) into your account. If you close your account before accrued dividends are credited, you will not receive the accrued dividends. 

Fees and Charges: Any fees and charges applicable to your account are disclosed separately in the Fee Schedule provided in conjunction with this Account Disclosure. Fees could reduce the earnings on an account.

Fees for Overdrawing Accounts: Fees may be imposed on each check, draft, item, ATM Card withdrawal, debit card point of sale, preauthorized automatic debit, telephone-initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. Please refer to the Fee Schedule for current fee information.  If a member account goes negative, they have 60 days to repay to return their account to a positive balance. 

You may consult the Funds Availability Policy for information regarding the availability of funds in your account. A fee of $30 for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit.

Account Limitations: For Financial Wizard (Youth Club Accounts) accounts, the age range allowed is newborn to 16 years of age. A parent, grandparent or guardian of a Financial Wizard member must be a joint account holder.