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Savings Rates

All rates are effective January 1, 2018 and subject to change without notice. Share certificates have a $1,000 minimum balance and early withdrawal penalty. The share savings accounts are the prospective rate for the 1st Quarter 2018.

Account APY*
Share Savings Accounts, Club Accounts and IRAs 0.25%
6-month Share and IRA Certificate 0.75%
12-month Share and IRA Certificate 1.25%
24-month Share and IRA Certificate 1.50%
36-month Share and IRA Certificate 1.80%
48-month Share and IRA Certificate 1.90%

*APY = Annual Percentage Yield

All dividends (interest) are earned and posted at the end of each calendar month.

Use the savings calculator to help track earnings and find even more details about our savings accounts here.

Money Market Accounts

Adding to your “all things banking” options, MembersOwn now offers money market accounts.

This type of account gives you a way to earn money market interest rates, with the potential for a higher rate on higher balances.

Minimum Investment $5,000
Monthly Fee None, if balance is above $5,000; $10/month, if balance falls below $5,000
Interest Paid on Account Yes. See tiered rate information below
Monthly Transactions A total of 6 free transactions per month; $5/per additional transaction

 

Tiered Dividend Rates

Balance Interest rate
$0.00 to $4,999.99 0.00%
$5,000 to $24,999.99 0.40%
$25,000 and Over 0.50%

 

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