Share Rates
| Account Type | Minimum Balance to Open / Earn Dividends |
Rate | APY | Rate Type |
|---|---|---|---|---|
| Regular Savings | $25 / $100 - 4,999 $25 / $5,000 - 24,999 $25 / $25,000 - 99,999 $25 / $100,000+ |
0.050% 0.050% 0.050% 0.050% |
0.05% 0.05% 0.05% 0.05% |
Variable |
| YES Club | $25 / $100+ | 0.050% | 0.05% | Variable |
| IRA Shares | $0 / $100+ | 0.100% | 0.10% | Variable |
| Holiday/Dream Share Account | $1 / $100 - 4,999 $1 / $5,000 - 24,999 $1 / $25,000 - 99,999 $1 / $100,000+ |
0.050% 0.050% 0.050% 0.050% |
0.05% 0.05% 0.05% 0.05% |
Variable |
| Extreme Savings | $0 / $1+ | 0.995% | 1.00% | Variable |
| Health Savings Account (HSA) | $0 / $300+ | 0.100% | 0.10% | Variable |
| Dividend Checking | $100 / $300+ | 0.020% | 0.02% | Variable |
| Money Market Checking | $5,000 / $5,000 - $19,999 $5,000 / $20,000+ |
0.020% 0.050% |
0.02% 0.05% |
Variable |
| Better Than Free Checking | $0 / Up to $500 w/ direct deposit |
0.995% | 1.00% | Variable |
| Ultimate Checking | $50,000 / $50,000 - $99,999 $50,000 / $100,000 + |
0.100% 0.150% |
0.10% 0.15% |
Variable |
| $mart Start Money Market | $0 / $0 - $2,000.00 $0 / $2,000.01 - $5,000.00 $0 / $5,000.01 - $10,000.00 $0 / $10,000.01 - $50,000.00 $0 / $50,000.01+ |
3.928% 0.499% 0.250% 0.040% 0.030% |
4.00% 0.50% 0.25% 0.04% 0.03% |
Variable |
| Premier Money Market or IRA Premier | $2,500 / $2,500 - 9,999 $2,500 / $10,000 - 24,999 $2,500 / $25,000+ |
0.449% 0.499% 0.549% |
0.45% 0.50% 0.55% |
Variable |
| Premier PLUS Money Market or IRA Premier PLUS | $50,000 / $50,000 - 99,999 $50,000 / $100,000 - 249,999 $50,000 / $250,000+ |
0.598% 0.698% 0.847% |
0.60% 0.70% 0.85% |
Variable |
| Silver Money Market | $35,000 / $35,000 + | 1.638% | 1.65% | Variable |
| Gold Money Market | $75,000 / $75,000 + | 1.687% | 1.70% | Variable |
| Platinum Money Market | $150,000 / $150,000 - $249,999 $150,000 / $250,000 - $499,999 $150,000 / $500,000 + |
1.884% 1.933% 2.129% |
1.90% 1.95% 2.15% |
Variable |
Certificate Rates
| Share & IRA Certificates | $500 Min. Balance | $10,000 Min. Balance | $50,000 Min. Balance | $100,000 Min. Balance | Rate Type | ||||
|---|---|---|---|---|---|---|---|---|---|
| Rate | APY | Rate | APY | Rate | APY | Rate | APY | ||
| 3-5 Month Certificate | 1.982% | 2.00% | 1.982% | 2.00% | 1.982% | 2.00% | 1.982% | 2.00% | Fixed |
| 6-11 Month Certificate | 2.325% | 2.35% | 2.374% | 2.40% | 2.374% | 2.40% | 2.423% | 2.45% | Fixed |
| *12-17 Month Certificate | 2.472% | 2.50% | 2.521% | 2.55% | 2.521% | 2.55% | 2.570% | 2.60% | Fixed |
| 18-23 Month Certificate | 2.570% | 2.60% | 2.618% | 2.65% | 2.618% | 2.65% | 2.667% | 2.70% | Fixed |
| 24-29 Month Certificate | 2.862% | 2.90% | 2.960% | 3.00% | 2.960% | 3.00% | 3.008% | 3.05% | Fixed |
| 30-35 Month Certificate | 2.862% | 2.90% | 2.960% | 3.00% | 2.960% | 3.00% | 3.008% | 3.05% | Fixed |
| 36-47 Month Certificate | 3.154% | 3.20% | 3.154% | 3.20% | 3.154% | 3.20% | 3.251% | 3.30% | Fixed |
| 48-59 Month Certificate | 3.251% | 3.30% | 3.300% | 3.35% | 3.300% | 3.35% | 3.397% | 3.45% | Fixed |
| 60-71 Month Certificate | 3.445% | 3.50% | 3.494% | 3.55% | 3.494% | 3.55% | 3.542% | 3.60% | Fixed |
| 72-83 Month Certificate | 3.445% | 3.50% | 3.494% | 3.55% | 3.494% | 3.55% | 3.542% | 3.60% | Fixed |
| 84 Month Certificate | 3.445% | 3.50% | 3.494% | 3.55% | 3.494% | 3.55% | 3.542% | 3.60% | Fixed |
Rate = Dividend Rate.
APY = Annual Percentage Yield.
Rates and terms are subject to change without notice. Rates Effective: 09/30/2023. Withdrawals will reduce earnings. Certificates: Penalty for early withdrawal.
*Y.E.S. Club Certificates pay the same as a 12 month certificate with $250 minimum balance. Deposits to Y.E.S. Club certificates can be made in amounts greater than $10.
Smart Start MM APY is earned on the portion of your balance in each rate tier. Blended APY: $0 - $2,000.00 is 4.00%; $2,000.01 to $5,000.00 is 4.00% - 1.89%; $5,000.01 to $10,000.00 is 1.89% - 1.07%; $10,000.01 to $50,000.00 is 1.07% - 0.24%; $50,000.01 to $100,000 is 0.24% - 0.14%. First $5,000 must be funds new on deposit to First U.S. Limit one Smart Start Money Market per member (and one Smart Start IRA Money Market per member). Check access not available.
Certificate Special: Certain restrictions apply. APYs assume principal and dividends remain on deposit to maturity. Penalty for early withdrawal. Withdrawals will reduce earnings. Special certificates mature as standard rate certificates.