Deposit Rates Loan Rates Savings & Checking Rates Rates as of 5/13/2026 Rates Account Type Minimum Balance APY1 Share (Savings) Accounts (Primary & Secondary) $100.00 .25% Club & Escrow Accounts $100.00 .25% Regular Checking N/A N/A Free Checking2 N/A N/A Interest Checking $100.00 .10% IRA3, Roth or ESA Shares (Savings) $100.00 .35% Account Services Fees 1 APY = Annual Percentage Yield 2 Regular Checking fee waived for Silver or Gold Rewards, Interest Checking fee waived for Gold Rewards. Free Checking Rewards Level frozen at Bronze Rewards. 3 IRA = Individual Retirement Account Regular accounts are federally insured up to $250,000.00 by N.C.U.A., an agency of the U.S. government. IRA (Individual Retirement Accounts) are federally insured up to $250,000.00 by N.C.U.A. All rates are subject to change at any time without prior notice. Fees may reduce earnings. Truth in Savings Account Disclosure Share & Club Accounts Information Checking Information