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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$2502.25% / 2.28% APY
Holiday Cash ClubNo minimum0.50% / 0.50% APY

Rates as of 10/8/2026

Disclosures

Share Term Certificates (STCs)4

Account term                        Minimum opening depositDividend rate2 and APY
6 months$2503.80% / 3.80% APY
12 months$2504.00% / 4.00% APY
18 months$2504.05% / 4.05% APY
24 months$2504.10% / 4.10% APY
30 months$2504.15% / 4.15% APY
36 months$2504.20% / 4.20% APY

Rates as of 10/8/2026

Disclosures

Tax-advantaged accounts1

Account Minimum opening depositDividend rate2 and APY
IRA (Traditional and Roth)$253.15% / 3.20% APY
Coverdell Education Savings Account$253.15% / 3.20% APY
Health Savings AccountNo deposit3.15% / 3.20% APY

Rates as of 10/8/2026

Disclosures