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Savings Rates

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Balance-building savings options.
Highly competitive rates for important goals.

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Savings Rates

Find the right savings account to fit your financial goals, whether you’re saving for a house or the holidays. With competitive yields and a variety of secure savings options, we can help you and your family save for the future.

Savings Accounts

Account Dividend Rate Annual Percentage Yield
Share Savings† 0.15% 0.15%
Money Manager* 0.15% 0.15%
IRA Share Account 0.15% 0.15%
Holiday Club 0.15% 0.15%
Become a Member
Rates effective as of May 12, 2021 and subject to change. Above are prospective dividend rates for the current period.
† Minimum balance to open Share Account - $5
*Membership with a $5.00 minimum opening deposit required.

High-Yield Savings Account (also available as an IRA)

Balance Dividend Rate Annual Percentage Yield
$0 - $9,999.99 0.10% 0.10%
$10,000 - $49,999.99 0.30% 0.30%
$50,000-$249,999.99 0.40% 0.40%
$250,000+ 0.50% 0.50%
Open a High-Yield Savings Account
Rates effective as of May 12, 2021 and subject to change. Above are prospective dividend rates for the current period.
Membership with a $5.00 minimum opening deposit required.

Wings Investment Money Market Account (also available as an IRA)†

Balance Dividend Rate Annual Percentage Yield
Less than $5,000 0.00% 0.00%
$5,000- $49,999.99 0.15% 0.15%
$50,000- $99,999.99 0.20% 0.20%
$100,000 and greater 0.25% 0.25%
Open an Investment Money Market Account
Rates effective as of May 12, 2021 and subject to change. Above are prospective dividend rates for the current period.
†Minimum balance to open Wings Investment Money Market and Wings IRA Investment Money Market—$5,000;

Certificates (Share and IRA)

3 Month Dividend Rate Annual Percentage Yield
$500-$9,999.99 0.15% 0.15%
$10,000- $99,999.99 0.20% 0.20%
$100,000-$249,999.99 0.25% 0.25%
$250,000+ 0.30% 0.30%
6 Month Dividend Rate Annual Percentage Yield
$500-$9,999.99 0.30% 0.30%
$10,000- $99,999.99 0.35% 0.35%
$100,000-$249,999.99 0.40% 0.40%
$250,000+ 0.45% 0.45%
1 Year Dividend Rate Annual Percentage Yield
$500-$9,999.99 0.45% 0.45%
$10,000- $99,999.99 0.50% 0.50%
$100,000-$249,999.99 0.55% 0.55%
$250,000+ 0.60% 0.60%
12 Month Add-On* Dividend Rate Annual Percentage Yield
$500+ 0.45% 0.45%
2 Year Dividend Rate Annual Percentage Yield
$500-$9,999.99 0.60% 0.60%
$10,000- $99,999.99 0.65% 0.65%
$100,000-$249,999.99 0.70% 0.70%
$250,000+ 0.75% 0.75%
3 Year Dividend Rate Annual Percentage Yield
$500-$9,999.99 0.75% 0.75%
$10,000- $99,999.99 0.80% 0.80%
$100,000-$249,999.99 0.85% 0.85%
$250,000+ 0.90% 0.90%
4 Year Dividend Rate Annual Percentage Yield
$500-$9,999.99 0.85% 0.85%
$10,000- $99,999.99 0.90% 0.90%
$100,000-$249,999.99 0.95% 0.95%
$250,000+ 1.00% 1.01%
5 Year Step-Up† Dividend Rate Annual Percentage Yield
$500-$9,999.99 0.80% 0.80%
$10,000- $99,999.99 0.85% 0.85%
$100,000-$249,999.99 0.90% 0.90%
$250,000+ 0.95% 0.95%
5 Year Dividend Rate Annual Percentage Yield
$500-$9,999.99 0.95% 0.95%
$10,000- $99,999.99 1.00% 1.01%
$100,000-$249,999.99 1.05% 1.06%
$250,000+ 1.10% 1.11%
Open a Certificate
Rates effective as of May 12, 2021 and subject to change. Above are prospective dividend rates for the current period.
Minimum balance to open certificates $500. (Unless noted)
†Promotional Share/IRA Step-Up Certificates may be stepped-up one time. The step up rate will be determined by the current 5 year standard term certificate rate and will apply to the remaining term of the certificate. Annual Percentage Yields disclosed assume quarterly compounding for amounts less than $100,000 and monthly compounding for amounts $100,000 and greater. Penalty applies for early withdrawal. Membership with a $5.00 minimum opening deposit required.
New certificate deposits are limited each month. When new certificate deposit limit is reached each month, new certificate deposits will be discontinued until the beginning of the following month.
*Promotional rate valid as of 3/17/21 and may be discontinued at any time. Minimum balance of $500 required to open special certificate and earn the disclosed APY. Membership with a $5.00 Share Savings Account required. Certificate must be opened in a branch, online or through the National Contact Center. Penalty applies for early withdrawal.