Savings Rates

Shares Savings Rates

 
Share Savings AccountsEffective Date:
TypeInterest RateAPY*
Share Savings(for balances on $5.00 or more)0.05%0.05%
Christmas Savings0.05%0.05%
Vacation Savings0.05%0.05%
Health Savings (HSA)0.25%0.25%
All youth under the age of 18 will receive an additional 0.25% APY to the stated rates unless otherwise noted.*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.

Certificate of Deposit Rates

Share, Traditional IRA, Roth IRA, HSA^ & Coverdell Education Savings Account Certificates Effective Date:
TermInterest RateAPY*
3 months10.20%0.20%
6 months10.30%0.30%
12 months10.55%0.55%
18 months10.65%0.65%
24 months10.80%0.80%
30 months10.896%0.90%
36 months11.045%1.05%
48 months11.292%1.30%
60 months11.539%1.55%
12 month Add-On2^1.19%1.20%
6 month special*1.292%1.30%
6 month relationship special**1.490%1.50%
All youth under the age of 18 will receive an additional 0.25% APY to the stated rates unless otherwise noted. A penalty fee may be imposed if you withdrawal funds prior to the maturity date.1 Rate Protector allows a one time rate adjustment for 3-36 month term CDs and a two time rate adjustment for 37-60 month term CDs with no penalties or fees. 2^ 12 month add-on not eligible for additional 0.25% APY youth rate bump or rate protector adjustment. HSA CD only available on the 12-month add-on CD rate and term. Contact a member service representative to open an HSA CD.*No relationship requirement. CD special and relationship specials are eligible for a one time rate protector no matter the length of CD term.** Minimum (1) direct deposit or active checking (8+ debit card transactions) per month is required to receive above stated rates. Rate Protector and Youth 0.25% APY rate bump are valid on CD Specials. 6 Month Special CDs renew at the standard 6 month rate upon maturity. 
Surge Money Market AccountEffective Date:
AmountInterest RateAPY*
$1.00 - $2,500.001.982%2.00%
$2,500.01 - $5,000.000.995%1.00%
$5,000.01 - $10,000.000.499%0.50%
$10,000.01 - $50,000.000.250%0.25%
$50,000.01 +0.150%0.15%
Momentum Money Market AccountsEffective Date:
AmountInterest RateAPY*
$5,000.00 - $49,999.990.25%0.25%
$50,000.00 - $99,999.990.747%0.75%
$100,000.00 - $249,999.990.747%0.75%
$250,000.00 - $499,999.990.995%1.00%
$500,000.00 - $1,000,000.000.995%1.00%

Benefits Checking Rates

Benefits CheckingEffective Date:
AmountInterest RateAPY*
$0.01 - $10,000.002.959%3.00%
*$25 minimum deposit required. 3% APY earned on balances of up to $10,000.00. ATM foreign surcharge fees will be refunded monthly up to $20/month. Requires e-Statements, Direct Deposit, at least 12 debit card transactions that clear your account as signature-based debit transactions per month (note that Honor posts transactions based on how they are received from merchants) and minimum 1 monthly online banking login to earn 3% APY. Members not meeting requirements will not earn ATM foreign surcharge fee refunds. No free checks offered on this account. One account per Member. Annual Percentage Yield (APY) as of 01/01/17; Rate is variable and may change after account is opened. Federally insured by NCUA.

IRA Rates

Traditional IRA, Roth IRA, Coverdell Education Savings AccountEffective Date:
Interest RateAPY*
0.20%0.20%

*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Insured by NCUA.