Compare Savings Accounts
Saving with a purpose
An important part of financial freedom is to plan ahead. We offer a variety of savings accounts for every stage of your life. From IRA for retirement planning to Christmas Club for that special time of year, we have a savings account to fit your needs. Visit with one of our Member Service Representatives today for assistance. To learn more about interest earning savings accounts, click here for a quick video.

You can deposit or withdraw funds from any savings or checking account you are an owner on. You can even make a loan payment. Debit Cards, Transaction Slips or Loan Coupons are not required. For cash back or account balance, make sure you have an approved form of identification (e.g., Drivers License, State ID). Just touch the screen to begin. ITMs, with Express Tellers, are available Monday-Saturday, 7am to 7pm; just touch the screen for the teller. Debit Cards and Deposit Slips are not needed. ITMs are also ATMs; just insert your debit card for standard ATM transactions 24/7. To learn more about ITMs, CLICK HERE.
Regular Savings
Earn up to
Christmas Club
Earn
Money Market
Earn up to
IRA Savings
Earn
*APY=Annual Percentage Yield. Rate subject to change without notice.
All Membership types must begin with a base savings (share) account with a minimum $5.00 ongoing balance to maintain membership. Base savings include Regular Savings, Homers Club Savings, Varsity Club Savings, or Commercial Savings accounts.
Rates Effective: 6/07/2023
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Savings Rates
Projected Dividend Date: 6/30/2023
Account Type Minimum Balance Dividend Credited/ Compounded Dividend Rate Annual Percent Yield Regular Savings, Homer/Varsity
HSA Savings
($5 Opening Balance)$5.00 Quarterly 0.10 % 0.10 % Commercial Savings
($5 Opening Balance)$5.00 Quarterly 0.10 % 0.10 % IRA Savings
($0 Opening Balance)$0.00 Quarterly 2.75 % 2.75 % Christmas Savings
($0 Opening Balance)$0.00 Quarterly 0.10 % 0.10 % Tax Savings
($0 Opening Balance)$0.00 Quarterly 0.10 % 0.10 % All rates are based on a Daily Balances.
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Regular Savings
Our Basic Savings account begins your membership with the credit union. You'll earn dividends on your balances while keeping your savings secure.
- $5 Minimum balance required
- Pays Quarterly Dividends
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Money Market
Money Market accounts are a higher dividend earning savings account with the option for checks. Keep in mind the transaction restriction listed below.
- Minimum Required Balance is $2,500.00
- Minimum Balance Violation Fee is $5.00
- Minimum Check Clearing Amount is $500.00
- Transaction Violation Fee is $35.00
- Only 6 Reg D Transactions allowed per month. Reg D transactions include the following:
- Checks
- Internet Transfers
- Debit Card Transactions
- Preauthorized Transfers
- Remote Transfers
- Overdraft Transfers
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Varsity Club Savings (Teens)
Varsity Club Savings transitions teens into solid money management habits gradually. This account is strictly for teens age 13-17 years old.
- $5 Minimum Balance
- Pays Quarterly Dividends
- Membership Fee is Waived
- Online Banking Access
- Varsity Club Checking available
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Homer's Club Savings (Youth)
This account is designed with our youngest members in mind. Beginning to save early in life builds good financial habits they can carry into adulthood. Homer's Club Savings accounts are available to those age 0-12 years old.
- $5 Minimum Balance
- Pays Quarterly Dividends
- Membership Fee is Waived
- Free Gift for your Birthday
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Special Savings
An extra savings account is perfect to designate funds for a particular purpose. You'll enjoy all the benefits of a regular savings account, while practicing goal-oriented saving. No minimum balance required. Popular versions of Special Savings accounts include:
- Pays Quarterly Dividends
- Wedding Savings
- Vacation Savings
- Back to School Savings
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Christmas Club Savings
Save for holiday expenses on your schedule with this popular account. You'll set aside a little each month and be ready for the gift-giving season when it arrives.
- Pays Quarterly Dividends
- No minimum balance required
- Make Deposits Anytime Throughout the Year
- Total Balance Transfers to Regular Savings on November 1
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Tax Savings
Tax time can be stressful if you're not prepared. Like our Christmas Club account helps you get ready for the holiday season, our Tax Savings account helps you to be ready for Uncle Sam.
- Pays Quarterly Dividends
- No minimum balance required
- Make Deposits Anytime Throughout the Year
- Total Balance Transfers to Regular Savings in March 1
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Retirement (IRA) Savings
We offer retirement savings options that can meet your needs. It's easy to invest in your future with our Individual Retirement Accounts.
- No minimum balance required
- Personal Tax-Deferred Savings and Investment Plan
- Tax-Deductible contributions in most cases
- Traditional or Roth IRAs available
- IRA Certificates Available in Terms of 12, 18, 24, 36, 48 or 60 Months
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Representative Payee Savings
A Representative (Rep) Payee Savings account is for a government-appoint representative payee to manage Social Security (or SSI) funds only. Contact your local Social Security office for details.
- $5 Minimum balance required
- Pays Quarterly Dividends
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Health Savings
Unexpected health care costs are one of the leading causes of financial distress for families. We can help with this account designed to keep you prepared for the unknown. Generally, HSAs provide tax-favored treatment for current medical expenses as well as the ability to save on a tax-favored basis for future medical expenses.
- $25.00 Annual Fee
- No minimum balance required
- Available to those with a high-deductible health insurance plan
- Often lowers health insurance premiums
- Savings are completely portable, even if you change jobs or coverage
Some qualifications and restrictions apply.