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Share & Deposit Account Rates

Explore all of our account rates, including Checking and Share Accounts, Share Term Certificates, and more.

Checking accounts1

AccountMinimum opening depositDividend rate2 and APY
Checking$1000.15% / 0.15% APY
Zard®No deposit0.15% / 0.15% APY

Rates as of 5/12/2021

Disclosures

Share accounts1

AccountMinimum opening depositDividend rate2 and APY
Share$250.45% / 0.45% APY
Zard Share$250.45% / 0.45% APY
FAT CAT® Share3$50.45% / 0.45% APY
Money Market Share$2502.15% / 2.17% APY
Holiday Cash ClubNo minimum0.50% / 0.50% APY

Rates as of 4/15/2026

Disclosures

Share Term Certificates (STCs)4

Account term                        Minimum opening depositDividend rate2 and APY
6 months$2503.70% / 3.70% APY
12 months$2503.90% / 3.90% APY
18 months$2503.95% / 3.95% APY
24 months$2504.00% / 4.00% APY
30 months$2504.00% / 4.00% APY
36 months$2504.05% / 4.05% APY

Rates as of 4/15/2026

Disclosures

Tax-advantaged accounts1

Account Minimum opening depositDividend rate2 and APY
IRA (Traditional and Roth)$253.05% / 3.10% APY
Coverdell Education Savings Account$253.05% / 3.10% APY
Health Savings AccountNo deposit3.05% / 3.10% APY

Rates as of 4/15/2026

Disclosures