Savings
High-Yield Savings
Where your emergency fund lives
Where your emergency fund lives. One rate on every dollar, with no tiers, no teaser period, and no minimum. Name your goals, set a payday sweep, and take money out whenever life happens.
- APY
- 3.10%
- Monthly fee
- $0
- To open
- $25
APY on every dollar, with no tiers and no teaser period.
Sample rate · October 2026
What you get
- 3.10% APY on the full balance, with no tiers and no expiry date
- No monthly fee and no minimum balance
- Name 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.
| Item | Cost |
|---|---|
| Monthly fee | $0 |
| To open | $25 |
| Minimum balance | None |
| Rate tiers | None. Every dollar earns the same rate. |
| Withdrawals | Free, anytime |
| Dividends | Worked out daily, paid monthly |
Sample figures for a fictional credit union, as of October 2026. APY means annual percentage yield. Rates are variable and can change after the account is opened. Fees could reduce earnings.
Questions
What members ask about High-Yield Savings
Still wondering? Read the full FAQ or ask a person.
Is 3.10% an intro rate?
No. There's no teaser period. Like all savings rates it's variable, so it can move up or down, but it isn't set to drop after a few months. On this demo it's a sample figure.
How do savings goals work?
You can split the account into named buckets, like Emergency or New brakes, each with its own target and progress bar. It's still one account, so the whole balance earns the same rate.
Is there a limit on withdrawals?
No. Take money out whenever you need it, by app, ATM, or at any branch.
Open High-Yield Savings in about ten minutes
Membership starts with a $5 share. Add High-Yield Savings on step two of the application, or open it at any of our five branches.