Savings Rates

Certificate Accounts, IRA Certificate Accounts and Dream Certificates
Term Dividend Rate APY
6 month Certificate (CD) 4.410% 4.50%
12 month Certificate (CD) 4.362% 4.45%
18 month Certificate (CD) 4.025% 4.10%
24 month Certificate (CD) 4.025% 4.10%
36 month Certificate (CD) 3.928% 4.00%
48 month Certificate (CD) 3.784% 3.85%
60 month Certificate (CD) 3.832% 3.90%
Open your Dream CD with just $20 and add a $10 or more each month while earning regular CD rates. Your deposits will be automatically transferred to your Dream CD every month or every paycheck. $100,000 Dream CD maximum per member. Promotional rates are not eligible for bump rate increases.
Regular Share Savings Interest Rates Open Now Regular Share Savings Interest Rates
Daily Balance Dividend Rate APY
$0.00 and over
 .050% .05%
** These interest rates apply to 0100, 0200 and 0300 account types
** Declared, paid and compounded monthly
Dream Round Up Savings Rates
Daily Balance Dividend Rate APY
$0.01 and over 9.569% 10.00%

** Declared, paid and compounded monthly
** Available only with Dream Checking (Fresh Start and Business Accounts not eligible)

Money Market
Daily Balance Dividend Rate APY
$0 to $2,499 0.050% 0.05%
$2,500 to $9,999.99 1.094% 1.10%
$10,000.00 to $24,999.99 1.292% 1.30%
$25,000.00 to $49,999.99 1.834% 1.85%
$50,000.00 to $99,999.99 2.129% 2.15%
$100,000.00 to $249,999.99 2.862% 2.90%
$250,000.00 to $499,999.99 3.639% 3.70%
$500,000.00 to $999,999.99
 3.832% 3.90%
$1,000,000.00 and over
 4.169% 4.25%
** Declared, paid and compounded monthly
Checking Open Now Checking
Daily Balance Dividend Rate APY
$0 to $49,999.99 .05% .05%
$50,000.00 and over .10% .10%
** Declared, paid and compounded monthly
IRA Shares
Daily Balance Dividend Rate APY
$0.00 to $2,499.99 0.050% 0.05%
$2,500 to $9,999.99 1.094% 1.10%
$10,000.00 to $24,999.99 1.292% 1.30%
$25,000.00 to $49,999.99 1.834% 1.85%
$50,000.00 and over 2.129% 2.15%
** Declared, paid and compounded monthly
Teen Learn & Earn Savings Open Now Teen Learn & Earn Savings
Daily Balance Dividend Rate APY
$0.00 to $1,000.00 4.889% 5.00%
$1,000.01 and over .050% .05%
* Dividends are declared, paid, and compounded monthly. Rates subject to change at any time. Learn & Earn Savings tiered rate on average daily balance of $0.01 to $1,000.00. Balances of $1,000.01 and higher earn dividends at the same rate as Regular Share Savings. 

Rates as of 12/6/2024  | Rates subject to change at any time

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