Woman and Man Hiking Image

Savings & IRAs Rates

Home Rates Personal Rates Savings & IRAs Rates

Father and daughter looking out of a window

Savings & IRAs Rates

rates-savings-ira table
AccountCompounding MethodDividend RateAnnual Percentage YieldGood ThroughDividend Frequency
Share Account ($50 - $49,999) Q4Quarterly0.250%0.25%December 31, 2025Quarterly
Share Account ($50,000 - $99,999) Q4Quarterly0.300%0.30%December 31, 2025Quarterly
Share Account ($100,000 & UP) Q4Quarterly0.399%0.40%December 31, 2025Quarterly
Share Account Q1QuarterlyNot Yet DecidedNot Yet DecidedMarch 31, 2026Quarterly
PRO$PER Savings Account ($50 - $49,999) Q4Quarterly0.250%0.25%December 31, 2025Quarterly
PRO$PER Savings Account ($50,000 - $99,999) Q4Quarterly0.300%0.30%December 31, 2025Quarterly
PRO$PER Savings Account ($100,000 & UP) Q4Quarterly0.399%0.40%December 31, 2025Quarterly
PRO$PER Savings Account Q1QuarterlyNot Yet DecidedNot Yet DecidedMarch 31, 2026Quarterly
CU $aveMore ($50 - $500) Q4Quarterly3.941%4.00%December 31, 2025Quarterly
CU $aveMore ($501 - $49,999) Q4Quarterly0.250%0.25%December 31, 2025Quarterly
CU $aveMore ($50,000 - $99,000) Q4Quarterly0.300%0.30%December 31, 2025Quarterly
CU $aveMore ($100,000 & UP) Q4Quarterly0.399%0.40%December 31, 2025Quarterly
CU $aveMore Q1QuarterlyNot Yet DecidedNot Yet DecidedMarch 31, 2026Quarterly
Safari Savings Club ($50 - $500) Q4Quarterly3.941%4.00%December 31, 2025Quarterly
Safari Savings Club ($501 - $49,999) Q4Quarterly0.250%0.25%December 31, 2025Quarterly
Safari Savings Club ($50,000 - $99,000) Q4Quarterly0.300%0.30%December 31, 2025Quarterly
Safari Savings Club ($100,000 & UP) Q4Quarterly0.399%0.40%December 31, 2025Quarterly
Safari Savings Club Q1QuarterlyNot Yet DecidedNot Yet DecidedMarch 31, 2026Quarterly
IRA Share Account ($50 - $49,999) Q4Quarterly0.250%0.25%December 31, 2025Quarterly
IRA Share Account ($50,000 - $99,999) Q4Quarterly0.300%0.30%December 31, 2025Quarterly
IRA Share Account ($100,000 & UP) Q4Quarterly0.399%0.40%December 31, 2025Quarterly
IRA Share Account Q1QuarterlyNot Yet DecidedNot Yet DecidedMarch 31, 2026Quarterly
Holiday Club ($50 - $49,999) Q4Quarterly0.250%0.25%December 31, 2025Quarterly
Holiday Club ($50,000 - $99,999) Q4Quarterly0.300%0.30%December 31, 2025Quarterly
Holiday Club ($100,000 & UP) Q4Quarterly0.399%0.40%December 31, 2025Quarterly
Holiday Club Q1QuarterlyNot Yet DecidedNot Yet DecidedMarch 31, 2026Quarterly
Trust Primary Share ($50 - $49,999) Q4Quarterly0.250%0.25%December 31, 2025Quarterly
Trust Primary Share ($50,000 - $99,999) Q4Quarterly0.300%0.30%December 31, 2025Quarterly
Trust Primary Share ($100,000 & UP) Q4Quarterly0.399%0.40%December 31, 2025Quarterly
Trust Primary Share Q1QuarterlyNot Yet DecidedNot Yet DecidedMarch 31, 2026Quarterly
  • Rates and terms subject to change without notice. These offers may be withdrawn. APY = Annual Percentage Yield.
  • Interest Rate and Annual Percentage Yield (APY) are anticipated.
  • Fees could reduce earnings on the account.
  • The minimum opening deposit for Share Accounts is $10 (a onetime membership fee of $5, plus an initial deposit of $5 to the account).
  • The mininum opening deposit for IRA Share Accounts is $50 and for Holiday Club Accounts is $10.
  • Accounts must maintain an average daily balance of $50 each quarter to earn dividends.
  • Accounts closed before the end of the quarter forfeit dividends.
  • CU $aveMore Account: Requires an active checking account and direct deposit or eStatements. The minimum opening deposit is $10. Limit one CU $aveMore account per primary member. Rates declared quarterly based on average daily balance. Rates subject to change.
  • Safari Savings Club: Available for members aged 15 and under. Limit one Safari Saving Club account per member. Rates declared quarterly based on average daily balance. If requirements are not met, standard dividend rates will apply. Rates subject to change.
  • Traditional, Roth and Education IRAs may use this account.