Woman and Man Hiking Image

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Mother and daughter outside.

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Designed for those who are interested in A basic savings account.
How To Open Open online or at a branch.
One Time Membership Fee $5
Balance To Open $5
Minimum Balance To Earn Dividends $50 ADB Quarterly
Dividend Rate View Rates
Annual Percentage Yield (APY) View Rates
Card Access When linked to a Checking Account only
Compounding Method Quarterly
Dividend Frequency Quarterly
Online Banking Free Online Banking Access
eStatements Yes - eStatements are free
Direct Deposit SSA or Payroll Deposit
Available For Overdraft Protection Yes (excluding $5 share)
Deposits Insured By NCUA up to $250,000. Yes

APY = Annual Percentage Yield. APY is accurate as of December 31, 2025. Rates are subject to change. Fees could reduce earnings on the account.