Savings
Saving with a purpose
Savings Options
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., Driver's 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.
Become a Member Add an Additional Account
*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: 11/11/2026
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Savings Rates
Projected Dividend Date: 12/31/2024
Account Type Minimum Balance Dividend
Credited/ CompoundedDividend Rate Annual Percent Yield Regular Savings, Homer/Varsity
HSA Savings
($5 Opening Balance)$5.00 Quarterly 0.10% 0.10% Business Savings
($5 Opening Balance)$5.00 Quarterly 0.10% 0.10% IRA Savings
($0 Opening Balance)$0.00 Quarterly 3.00% 3.00% 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
Learn More
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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: Checks, Internet Transfers, Debit Card Transactions, Preauthorized Transfers, Remote Transfers, Overdraft Transfers
Learn More
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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
- Great for planning a Wedding, Vacations, Back to School Shopping and more
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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 1st
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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
Click Here to view Roth IRA FAQ
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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
SEE OUR OTHER SAVINGS ACCOUNTS
Special Purpose Savings Options. We have several other savings accounts designed to meet the needs of our members. See our Certificates, Money Markets, and Youth Accounts.