Savings Rates
Regular And IRA Share Certificates ($500 Minimum)
Rates Effective Starting: 01/08/2026
| Term | Rate* | APY** |
| 6 months*** | 3.54% | 3.60% |
| 12 months | 3.35% | 3.40% |
| 36 months | 2.50% | 2.52% |
| 60 months | 2.00% | 2.01% |
*Percentage Rate (APR)
** Annual Percentage Yield (APY). Dividends are compounded and paid monthly. Penalties apply for early withdrawal.
*** Not offered for IRA Certificate
** Annual Percentage Yield (APY). Dividends are compounded and paid monthly. Penalties apply for early withdrawal.
*** Not offered for IRA Certificate
Share Savings
Rates Effective Starting: 01/08/2026
| Product | Rate* | APY** |
| Savings | 0.10% | 0.10% |
| Holiday Club | 0.10% | 0.10% |
| Kids Club | 1.25% | 1.26% |
| Educational Savings Account | 0.90% | 0.90% |
| Health Savings Account (HSA) | 0.10% | 0.10% |
| IRA (Roth, Traditional, and SEP) $0 to <$50,000 | 0.75% | 0.75% |
| IRA (Roth, Traditional, and SEP) $50,000+ | 1.00% | 1.00% |
*Annual Percentage Rate (APR) ** Annual Percentage Yield (APY). Dividends are compounded and paid monthly
High Yield Money Market^
Rates Effective Starting: 01/08/2026
| Balance Range | Rate* | APY** |
| Balance Range $1,000 to < $10,000 | 1.10% | 1.10% |
| Balance Range $10,000 to < $50,000 | 1.20% | 1.20% |
| Balance Range $50,000 to < $100,000 | 1.30% | 1.30% |
| Balance Range $100,000 to < $250,000 | 1.40% | 1.41% |
| Balance Range $250,000+ | 1.50% | 1.51% |
Earn a great rate without committing your funds to a term Certificate Account. There is no limit or fee for withdrawals
*Annual Percentage Rate (APR) **Annual Percentage Yield (APY). Dividends are compounded and paid monthly.
Checking
Rates Effective Starting: 01/08/2026
| Product | Features | Rate* | APY** |
| High Tide Checking Tier 1 | $1 - $10,000 >$10,000 | 1% | 1% |
| High Tide Checking Tier 2 | $1 - $20,000 >$20,000 | 1.98% | 2% |
| High Tide Checking Tier 3 | $1 - $25,000 >$25,000 | 3.93% | 4% |
| FREE Tidemark Standard | No minimum balance required. Interest earned on balances above $2,000 | 0.10% | 0.10% |
*APR = Annual Percentage Rate **APY = Annual Percentage Yield. Standard and Encore .20% APY.
**To qualify for High Tide Checking, the following must be met each month. In Branch transactions must be done at our ETMs to qualify for High Tide Checking. Tier 1 requires at least 10 signature based debit or credit card transactions during the month. % APY is on balances up to 10K. Maximum monthly amount, including ATM refunds is $15. Tier 2 requires at least 15 signature based debit or credit card transactions during the month, plus $5,000 or more in loan balances. % APY is on balances up to 20K. Maximum monthly amount, including ATM refunds is $40. Tier 3 at least 15 signature based debit or credit card transactions during the month, plus $50,000 or more in loan balances. % APY is on balances up to 25K. Maximum monthly amount, including ATM refunds is $100. High Tide tiered dividends and cash back will be calculated based on your monthly activity and current month loan balances. Pin based debit card transactions are not included towards your debit card usage for the month.Start Saving Today & Enjoy High-Yield Returns!
Plus, You Get Access to Our Member Premium Benefits
You Become a Member-Owner
We don't exist to enhance the wealth of our shareholders, we are member-owned. As a not-for-profit organization, we use our profits to increase Member benefits and support community causes.
Your Money is Insured & Protected
Instead of being covered under FDIC, your deposits are covered under the National Credit Union Administration (NCUA), which insures deposits up to $250,000, the same amount as the FDIC. It’s a different name but the same function.
