Accounts

Every fee, every rate, on one page

No asterisk maze. Each account below shows its monthly fee, how to waive it (if there is one), the minimum to open, and the rate it pays. Rates are illustrative, as of July 2026.

Checking

Both come with early payday, instant card lock, and 30,000+ surcharge-free ATMs. The only question is whether you keep a cushion.

Everyday Checking

The no-catch account

0.05% APY

Monthly fee: $0
To open: $25
Fee waiver: Nothing to waive

No monthly fee, no minimum balance — ever
Debit card with instant lock/unlock in the app
30,000+ surcharge-free ATMs through the co-op network
Early payday: direct deposits post up to 2 days sooner
Free bill pay and member-to-member transfers

Best for: Almost everyone. If you're not sure, start here.

Premier Checking

Checking that pays you back

0.35% APY

Monthly fee: $8
To open: $25
Fee waiver: Waived with $2,500 average balance or $1,000/mo in direct deposits

Everything in Everyday Checking
0.35% APY on your whole checking balance
Rebates up to $12/mo in other banks' ATM surcharges
One free outgoing wire per month
0.25% rate discount on new personal loans

Best for: Members who keep a cushion in checking or bank their paycheck with us.

Savings

Your $5 share makes you an owner. The High-Yield account is where the actual saving happens — one honest rate, no tiers, no expiry.

Your $5 ownership share

0.75% APY

Monthly fee: $0
To open: $5
Fee waiver: Nothing to waive

Your $5 share is what makes you an owner, not a customer
One vote at the annual meeting, whatever your balance
Automatic round-up transfers from your debit card
No fees, no minimums after your $5 share

Best for: Every member has one — it's your membership itself.

High-Yield Savings

Where your emergency fund lives

3.10% APY

APY on every dollar, no tiers, no teaser period

Monthly fee: $0
To open: $25
Fee waiver: Nothing to waive

3.10% APY on the full balance — no tiers, no expiry date
No monthly fee and no minimum balance
Nickname your goals: Emergency, Trip, New brakes
Auto-save rules: round-ups and payday sweeps
Withdraw anytime — it's savings, not a lock-up

Best for: Emergency funds and short-term goals you still need to reach.

Youth & student

Free banking through the broke years, and a first savings account designed to make compound interest visible to a nine-year-old.

Student Checking

Ages 16–24, zero fees

0.05% APY

Monthly fee: $0
To open: $5
Fee waiver: Nothing to waive

No fees of any kind — including our overdraft-transfer fee
Balance-alert nudges before you run low
Debit card with parental co-view option under 18
Automatically converts to Everyday Checking at 25 (still $0/mo)

Best for: High-school and college members earning their first paychecks.

First Nest Youth Savings

Ages 0–15, supercharged start

4.00% APY

APY on the first $1,000; 0.75% above that

Monthly fee: $0
To open: $5
Fee waiver: Nothing to waive

4.00% APY on the first $1,000 — a real reason to save
Birthday deposit match: we add $5 every year, ages 5–12
Kid-visible savings tracker in the family app view
In-branch passbook stamping, because kids love stamps

Best for: Teaching kids that saving actually does something.

55 and up

Fewer fees, bigger print if you want it, and a named human who reviews fraud alerts with you instead of a robocall.

Legacy Checking 55+

Less friction, more respect

0.25% APY

Monthly fee: $0
To open: $25
Fee waiver: Nothing to waive

No monthly fee, no minimums, 0.25% APY
Free standard checks and cashier's checks
Free notary and medallion signature services
Fraud-watch concierge: a named human reviews alerts with you
Larger-print statements on request — no upcharge

Best for: Members 55 and up who want banking that doesn't nickel-and-dime.

All four checking accounts, one ledger

Checking accounts at a glance (illustrative)
Account	Monthly fee	APY	To open	Best for
Everyday Checking	$0	0.05% APY	$25	Almost everyone. If you're not sure, start here.
Premier Checking	$8 (waivable)	0.35% APY	$25	Members who keep a cushion in checking or bank their paycheck with us.
Student Checking	$0	0.05% APY	$5	High-school and college members earning their first paychecks.
Legacy Checking 55+	$0	0.25% APY	$25	Members 55 and up who want banking that doesn't nickel-and-dime.

Illustrative figures as of July 2026. Overdraft transfers from your own savings are free once per day; we don't charge NSF fees on declined transactions.

Share certificates

A certificate is savings with a promise in both directions: you agree to leave the money for the term, we lock the rate. Great for money with a date on it — next year's tuition, the roof in 2028. Consider a ladder: split across 12-, 24-, and 36-month terms so a rung matures every year.

Early withdrawal costs 90 days of dividends — never your principal. Dividends compound monthly and can pay out to savings if you prefer income.

Open one as a member

Certificate rates by term (illustrative)
Term	APY	Minimum
6 months	3.60%	$500
12 months	4.05%	$500
24 months	3.85%	$500
36 months	3.70%	$500
60 months	3.55%	$500

Illustrative rates as of July 2026. On maturity you get a 10-day grace window to add, withdraw, or change terms before auto-renewal.

Can't decide? Let the quiz do it.

Three questions match you to a bundle — and show what the same year costs at a typical big bank.

Take the account-match quiz Become a member