If you are looking for a more flexible option, check out our High Yield Savings Account or speak with our team for financial retirement advice and personalized retirement strategies that fit your goals.
| Term | APY¹ | Dividend Rate |
|---|---|---|
| 3 Month | 3.55% | 3.493% |
| 4 Month | 3.55% | 3.493% |
| 5 Month | 3.55% | 3.493% |
| 6 Month | 3.75% | 3.687% |
| 7 Month | 3.75% | 3.687% |
| 8 Month | 3.75% | 3.687% |
| 9 Month | 3.81% | 3.745% |
| 10 Month | 3.75% | 3.687% |
| 11 Month | 3.75% | 3.687% |
| 12 Month | 3.81% | 3.745% |
| 12 Month (IRA Certificate)² | 3.91% | 3.841% |
| 13 Month | 3.81% | 3.745% |
| 15 Month | 3.81% | 3.745% |
| 18 Month | 3.81% | 3.745% |
| 18 Month (Legacy Club) | 3.91% | 3.841% |
| 20 Month | 3.81% | 3.745% |
| 24 Month | 3.81% | 3.745% |
| 30 Month | 3.81% | 3.745% |
| 36 Month | 3.81% | 3.745% |
| 48 Month | 3.81% | 3.745% |
| 60 Month | 3.81% | 3.745% |
| Term | APY¹ | Dividend Rate |
|---|---|---|
| 47 Month | 3.45% | 3.396% |
| 59 Month | 3.55% | 3.493% |
For a full list of exceptions visit the IRS website
consult your tax advisor
Annual Percentage Yield (APY) listed paid on $1,000 minimum balance. $500 minimum balance Share and IRA Certificates available at 0.10% lower Annual Percentage Yield. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings. Rate effective as of February 20, 2026, and are subject to change. Not a member? Join today.
Annual Percentage Yield (APY) listed paid on $1,000 minimum balance. $500 minimum balance Share and IRA Certificates available at 0.10% lower Annual Percentage Yield. 12-month, 3.91% APY available for Term Share IRA(s) only with a minimum balance of $1,000. A penalty will or may be imposed for early withdrawal. Rates are subject to change. Rate effective as of February 20, 2026, and are subject to change. Insured by NCUA. Not a member? Join today.
Annual Percentage Yield (APY) listed paid on $1,000 minimum balance. $500 minimum balance Share and IRA Certificates available at 0.10% lower Annual Percentage Yield. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings. Rate effective as of February 20, 2026 and are subject to change. Not a member? Join today.
Call 800-342-0008 for further rate details.
