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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+
0.250%
0.300%
0.349%
0.25%
0.30%
0.35%
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+
0.399%
0.598%
0.747%
0.40%
0.60%
0.75%
Variable
Silver Money Market $35,000 / $35,000 + 0.499% 0.50% Variable
Gold Money Market $75,000 / $75,000 + 0.598% 0.60% Variable
Platinum Money Market $150,000 / $150,000 - $249,999
$150,000 / $250,000 - $499,999
$150,000 / $500,000 +
0.747%
0.995%
1.243%
0.75%
1.00%
1.25%
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 0.598% 0.60% 0.598% 0.60% 0.797% 0.80% 0.797% 0.80% Fixed
6-11 Month Certificate 1.045% 1.05% 1.045% 1.05% 1.342% 1.35% 1.342% 1.35% Fixed
*12-17 Month Certificate 1.588% 1.60% 1.588% 1.60% 1.687% 1.70% 1.687% 1.70% Fixed
18-23 Month Certificate 1.588% 1.60% 1.588% 1.60% 1.687% 1.70% 1.687% 1.70% Fixed
24-29 Month Certificate 1.884% 1.90% 1.884% 1.90% 1.982% 2.00% 1.982% 2.00% Fixed
30-35 Month Certificate 1.884% 1.90% 1.884% 1.90% 1.982% 2.00% 1.982% 2.00% Fixed
36-47 Month Certificate 2.129% 2.15% 2.129% 2.15% 2.227% 2.25% 2.227% 2.25% Fixed
48-59 Month Certificate 2.276% 2.30% 2.276% 2.30% 2.325% 2.35% 2.325% 2.35% Fixed
60-71 Month Certificate 2.472% 2.50% 2.472% 2.50% 2.570% 2.60% 2.570% 2.60% Fixed
72-83 Month Certificate 2.472% 2.50% 2.472% 2.50% 2.570% 2.60% 2.570% 2.60% Fixed
84 Month Certificate 2.472% 2.50% 2.472% 2.50% 2.570% 2.60% 2.570% 2.60% Fixed

Rate = Dividend Rate.
APY = Annual Percentage Yield.

Rates and terms are subject to change without notice. Rates Effective: 02/05/2023. 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.