Savings Tools

Savings Rates

Find the perfect rate to grow your nest egg.

Rates are current as of July 30, 2026.

Share Accounts¹

Account Type	Dividend Rate	APY*
Share Account Dividend	0.09%	0.10%

Share Accounts: Minimum deposit is $5.00. Earns dividends from day of deposit to day of withdrawal. Dividends are posted and paid monthly. Fees imposed on an account could reduce the earnings on the account. Rates are subject to change.

Money Market Accounts²

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Balance	Dividend Rate	APY*
$0 - $9,999.99	0.09%	0.10%
$10,000 - $24,999.99	0.54%	0.55%
$25,000 - $49,999.99	0.94%	0.95%
$50,000 - $99,999.99	0.99%	1.00%
$100,000 & over	1.09%	1.10%

Money Market Accounts: Minimum opening deposit is $10,000. $10 monthly fee if balance falls below $10,000. Rates are subject to change. Dividends paid and posted to account monthly. Fees imposed on an account could reduce the earnings on the account.

Certificates³

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Term	Dividend Rate	APY*
6-Month	3.11%	3.15%
7-Month	3.35%	3.40%
12-Month	2.18%	2.20%
13-Month Special	3.55%	3.60%
24-Month	2.52%	2.55%
36-Month	2.62%	2.65%
48-Month	2.67%	2.70%
60-Month	2.86%	2.90%

Certificates: APY = Annual Percentage Yield. Rate is effective as of July 13, 2026, and all rates are subject to change without notice. There is a $1,000 minimum deposit. Dividends are paid and posted to the account quarterly. Dividends will be applied to the certificate or can be transferred to another account. Certificates are set up for automatic renewal at maturity. 7-month certificates are set up to automatically renew to a 6-month certificate. 13-month certificates are set up to automatically renew to a 12-month certificate. Members have 10 calendar days after the certificate matures to withdraw funds without being charged an early withdrawal penalty. An early withdrawal penalty will apply if a withdrawal is made before the maturity date. The 6-, 7-, 12- and 13-month certificates will have an early withdrawal penalty of 91 days of dividends. The 24-, 36-, 48-, and 60-month certificates will have an early withdrawal penalty of 180 days of dividends. Fees imposed on an account could reduce the earnings on the account.

IRAs Certificates⁴

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Terms	Dividend Rate	APY*
6-Month	3.11%	3.15%
7-Month	3.35%	3.40%
12-Month	2.18%	2.20%
13-Month Special	3.55%	3.60%
24-Month	2.52%	2.55%
36-Month	2.62%	2.65%
48-Month	2.67%	2.70%
60-Month	2.86%	2.90%
Roth IRA
6-Month	3.11%	3.15%
7-Month	3.35%	3.40%
12-Month	2.18%	2.20%
13-Month Special	3.55%	3.60%
24-Month	2.52%	2.55%
36-Month	2.62%	2.65%
48-Month	2.67%	2.70%
60-Month	2.86%	2.90%
Coverdell ESA
6-Month	3.11%	3.15%
7-Month	3.35%	3.40%
12-Month	2.18%	2.20%
13-Month Special	3.55%	3.60%
24-Month	2.52%	2.55%
36-Month	2.62%	2.65%
48-Month	2.67%	2.70%
60-Month	2.86%	2.90%

See an IRA Specialist or contact us at 757.569.6000 for more details. Membership eligibility required.

⁴

IRA Certificates: Minimum deposit is $1,000. Earns dividends from day of deposit to day of withdrawal. Dividends are paid quarterly and posted to the account quarterly. Dividends will be applied to the certificate or can be transferred to another account. The 6-, 7-, 12- and 13-Month certificates will have an early withdrawal penalty of 91 days dividends. The 24, 36, 48 and 60 month certificates will have an early withdrawal penalty of 180 days dividends. Fees imposed on an account could reduce the earnings on the account. Certificates are set up for automatic renewal at maturity. 7-month certificates are set up to automatically renew to a 6-month certificate. 13-month certificates are set up to automatically renew to a 12-month certificate. The member will have 10 calendar days after the certificate matures to withdraw funds without being charged an early withdrawal penalty. An early withdrawal penalty will apply if a withdrawal is made before the maturity date.

IRA Share Savings Accounts⁵

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Terms	Dividend Rate	APY*
Traditional IRA Savings Account	0.09%	0.10%
Roth IRA Savings Account	0.09%	0.10%
Coverdell ESA Savings Account	0.09%	0.10%

⁵

IRA Share Savings Accounts: Minimum deposit is $100. Earns dividends from day of deposit to day of withdrawal on any balance. Dividends are posted and paid monthly. Fees imposed on an account could reduce the earnings on the account. Rates are subject to change.