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Savings Rates

Account Type Minimum Balance to Open
/ Earn Dividends
Rate APY Rate Type
Prime 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
Youth Savings $25 / $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 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: 07/22/2024. 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.