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Rates

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Current Rates

Accurate as of 10/28/2024
APY = Annual Percentage Yield
Rate may change after the account is opened, no minimum balance requirement. Fees may reduce earnings.

Checking & Savings Account Rates Rate APY
Bonus Checking $0 - $25,000 Qualifying Rate** 1.98% 2.00%
Bonus Checking greater than $25,000 Qualifying Rate** 0.05% 0.05%
Bonus Checking Non-Qualifying Rate** 0.00% 0.00%

**Account must meet specific activity requirements to qualify each month.
Regular Savings 0.05% 0.05%

Qualifiers and Requirements
Bonus Saver $0 - $2,500 Qualifying rate when both Deposit and No Withdrawal bonuses are met** 2.03% 2.05%
Bonus Saver $0 - $2,500 Qualifying rate when either Deposit or No Withdrawal bonus is met** 1.05% 1.05%
Bonus Saver Non-Qualifying OR over $2,500 Base rate - when qualifiers are not met and for all amounts greater than $2,500 0.05% 0.05%

Qualifiers and Requirements

**APY = Annual Percentage Yield. Rates effective as of the last dividend declaration date and are subject to change after account opening. Fees may reduce earnings. Earn 2.05% APY on the first $2,500 when Bonus Saver qualifiers are met during each 6-month qualification cycle: (a) each month, deposit $25 or more to your Bonus Saver account (in aggregate), and (b) do not make any withdrawals from your Bonus Saver account. Earn 0.05% APY when both qualifiers are not met (non-qualifying rate) or on balances $2,500.01 and above. Earn 1.05% APY on the first $2,500 when one, but not both, of the Bonus Saver qualifiers are met. The minimum opening deposit required for this account is $25. Limit one Bonus Saver account per person. 

A monthly fee will be charged for paper statements (one fee per membership number). Members can avoid this fee by enrolling in eStatements for their accounts through Online Banking or the Mobile App. Please see Fee Schedule for more information.
Growth Savings $0 - $2,000 Ages 17 and under 1.00% 1.00%
Growth Savings greater than $2,000 Ages 17 and under 0.05% 0.05%

Growth Savings qualifiers and requirements
Bonus MMA Rates Rate APY*
$0.00 - $49,999.99 (Qualifying Rate**) 0.20% 0.20%
$50,000 - $99,999.99 (Qualifying Rate) 0.30% 0.30%
$100,000 - $249,999.99 (Qualifying Rate) 0.35% 0.35%
$250,000+ (Qualifying Rate) 0.40% 0.40%
$0.00 - $49,999.99 (Non-Qualifying Rate) 0.05% 0.05%
$50,000 - $99,999.99 (Non-Qualifying Rate) 0.10% 0.10%
$100,000 - $249,999.99 (Non-Qualifying Rate) 0.20% 0.20%
$250,000+ (Non-Qualifying Rate) 0.25% 0.25%

Here’s the legal stuff: *APY=Annual Percentage Yield. **Qualifiers to earn interest on Bonus Money Market include meeting the qualifiers for a Bonus Checking account on the same account number. These Bonus Checking qualifiers include any combination of 12 transactions of $5 or more on your Bonus Checking account debit card or Numerica credit card under the same member account (excluding transactions at ATMs) and enrollment in eStatements with a valid email address. If the Bonus Checking qualifiers are not met, the rate will default to the non-qualifying Bonus Money Market rate. No minimum balance required to earn APY. Rates may change after account opening. $25 deposit required to open a Bonus Checking account. $25 deposit required to open a Bonus Money Market Account. Requirements are calculated for each calendar month. Fees may reduce earnings. Limit of 1 Bonus Money Market account per social security number. APY accurate as of last dividend declaration date. Qualifying Bonus Money Market APYs are: 0.20% APY for $0.01 - $49,999.99, 0.30% APY for $50,000 - $99,999.99, 0.35% APY for $100,000 - $249,999.99, and 0.40% APY for $250,000+. Non-qualifying Bonus Money Market APYs are: 0.05% APY for $0.01 - $49,999.99, 0.10% APY for $50,000 - $99,999.99, 0.20% APY for $100,000 - $249,999.99, and 0.25% APY for $250,000+. Numerica deposits are federally insured by NCUA.
Peak MMA Savings Account Rates Rate APY
Below $4,999.99 0.05% 0.05%
$5,000 - $9,999.99 0.05% 0.05%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 0.10% 0.10%
$50,000 - $74,999.99 0.15% 0.15%
$75,000 - $99,999.99 0.15% 0.15%
$100,000 & Above 0.20% 0.20%
  • Minimum Opening Deposits are $25

Product details
IRA Savings Account Rates Rate APY
Below $4,999.99 0.05% 0.05%
$5,000 - $9,999.99 0.05% 0.05%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 0.10% 0.10%
$50,000 - $74,999.99 0.15% 0.15%
$75,000 - $99,999.99 0.15% 0.15%
$100,000 & Above 0.20% 0.20%
  • Minimum Opening Deposits are $25

Product details Traditional IRA and Roth IRA
Certificates & IRAs Rate APY
90 Days to 5 Months 0.25% 0.25%
6 to 11 Month 0.40% 0.40%
12 to 17 Month 4.17% 4.25%
17 Month promotional* 4.41% 4.50%
18 to 23 Month 3.93% 4.00%
24 to 35 Month 3.93% 4.00%
36 to 47 Month 3.93% 4.00%
48 to 59 Month 4.35% 4.44%
60 to 72 Month 3.93% 4.00%

*New money requirement of $25,000
  • Minimum opening deposit is $1,000 for Certificates and $500 for IRAs, unless otherwise noted.
  • May be subject to penalty for early withdrawal.

Schedule of Fees and Charges

Today's Rates

November 20, 2024