Savings Rates
| Account Type | Minimum Balance to Open / Earn Dividends |
Rate | APY | Rate Type |
|---|---|---|---|---|
| Prime Savings | $5 / $100 - 4,999 $5 / $5,000 - 24,999 $5 / $25,000 - 99,999 $5 / $100,000+ |
0.050% 0.050% 0.050% 0.050% |
0.05% 0.05% 0.05% 0.05% |
Variable |
| Youth Savings | $5 / $100+ | 0.050% | 0.05% | Variable |
| IRA Shares | $0 / $100+ | 0.100% | 0.10% | Variable |
| Dream Savings | $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 |
| Health Savings Account (HSA) | $0 / $300+ | 0.100% | 0.10% | Variable |
| Smart Start Savings | $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 |
| Money Market Savings | $2,000 / $2,000 - 24,999.99 $2,000 / 25,000 - 99,999.99 $2,000 / $100,000 - 249,999.99 $2,000 / $250,000 - 499,999.99 $2,000 / $500,000+ |
0.499% 1.638% 1.687% 1.933% 2.129% |
0.50% 1.65% 1.70% 1.95% 2.15% |
Variable |
Checking Rates
| Account Type | Minimum Balance to Open / Earn Dividends |
Rate | APY | Rate Type |
|---|---|---|---|---|
| Better Than Free Checking | $0 / Up to $500 w/ direct deposit |
0.995% | 1.00% | Variable |
| Dividend Checking | $100 / $300 - 19,999.99 $100 / $20,000 - 49,999.99 $100 / $50,000 - 99,999.99 $100 / $100,000+ |
0.020% 0.050% 0.100% 0.150% |
0.02% 0.05% 0.10% 0.15% |
Variable |
Certificate Specials
| Share & IRA Certificates | Minimum Balance | Rate | APY | Rate Type |
|---|---|---|---|---|
| 3-12 Month Special | $500 | 3.880% | 3.95% | Fixed |
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 Month Certificate |
1.982% | 2.00% | 1.982% | 2.00% | 1.982% | 2.00% | 1.982% | 2.00% | Fixed |
| 6 Month Certificate |
2.325% | 2.35% | 2.374% | 2.40% | 2.374% | 2.40% | 2.374% | 2.40% | Fixed |
| 9 Month Certificate |
2.374% | 2.40% | 2.423% | 2.45% | 2.423% | 2.45% | 2.423% | 2.45% | Fixed |
| 12 Month Certificate | 2.472% | 2.50% | 2.521% | 2.55% | 2.521% | 2.55% | 2.570% | 2.60% | Fixed |
| 18 Month Certificate | 2.570% | 2.60% | 2.618% | 2.65% | 2.618% | 2.65% | 2.667% | 2.70% | Fixed |
| 24 Month Certificate | 2.862% | 2.90% | 2.960% | 3.00% | 2.960% | 3.00% | 3.008% | 3.05% | Fixed |
| 36 Month Certificate | 3.154% | 3.20% | 3.154% | 3.20% | 3.154% | 3.20% | 3.251% | 3.30% | Fixed |
| 48 Month Certificate | 3.251% | 3.30% | 3.300% | 3.35% | 3.300% | 3.35% | 3.397% | 3.45% | Fixed |
| 60 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: 05/09/2025. Withdrawals will reduce earnings. Certificates: Penalty for early withdrawal.
Smart Start Savings Account 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 Savings Account 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.