Savings Account Rates

Share Savings +Rates Effective: 1/29/2024

Dividend Rate APY*
$0 to $1,999.99 0.050 0.05
$2,000 and Greater 0.100 0.10

Other SavingsRates Effective: 1/29/2024

Dividend Rate APY*
Puppy Pal Savings 0.300 0.30
Pathfinder Savings 0.300 0.30
Health Savings Account 0.300 0.30

*Annual Percentage Yield.

+$10 minimum balance to open an account.

At our discretion, dividend rates are subject to change on the first business day of each week and the first business day of each month (unless otherwise noted).

Money Market Account Rates

Money MarketRates Effective: 1/29/2024

Dividend Rate APY*
$0 to $19,999.99 1.342 1.35
$20,000 to $99,999.99 1.342 1.35
$100,000 to $249,999.99 1.588 1.60
$250,000 to $499,999.99 2.227 2.25
$500,000 to $999,999.99 2.960 3.00
$1,000,000 + 3.445 3.50

IRA Money MarketRates Effective: 1/29/2024

Dividend Rate APY*
$0 to $19,999.99 1.342 1.35
$20,000 to $99,999.99 1.342 1.35
$100,000 to $249,999.99 1.588 1.60
$250,000 to $499,999.99 2.227 2.25
$500,000 to $999,999.99 2.960 3.00
$1,000,000 + 3.445 3.50

*Annual Percentage Yield.
At our discretion, dividend rates are subject to change on the first business day of each week and the first business day of each month (unless otherwise noted).

Certificate Account Rates

Certificates: $500 Minimum BalanceRates Effective: 1/29/2024

Dividend Rate APY*
3 Months 3.601 3.65
6 Months 3.844 3.88
12 Months 4.909 5.00
18 Months 3.844 3.90
24 Months 3.601 3.65
36 Months 3.357 3.40
48 Months 3.113 3.15
60 Months 3.113 3.15

Premium Certificates: $10,000 Minimum BalanceRates Effective: 1/29/2024

Dividend Rate APY*
3 Months 3.698 3.75
6 Months 3.941 3.98
12 Months 5.005 5.10
18 Months 3.941 4.00
24 Months 3.694 3.75
36 Months 3.455 3.50
48 Months 3.211 3.25
60 Months 3.211 3.25

Jumbo Certificates: $100,000 Minimum BalanceRates Effective: 1/29/2024

Dividend Rate APY*
12 Months 5.198 5.30
24 Months 3.893 3.95
36 Months 3.650 3.70

*Quoted Annual Percentage Yield (APY) assumes dividends earned are paid and compounded quarterly to the Certificate and remain on deposit at maturity.  If dividends are paid to any other account or withdrawn prior to the Maturity Date, the APY will vary slightly.  A withdrawal of dividends will reduce earnings.

Dividends can be paid to a Certificate, Share Savings Account, Money Market Savings Account or Checking Account. 

IRA and HSA Certificates are also available. Dividends earned on HSA Certificates must be paid to the Certificate. Dividends earned on Traditional and Roth IRA Certificates can be paid to any IRA of the same type.

Early Withdrawal Penalties: All Certificates are subject to early withdrawal penalties. The registered owner(s) contracts to keep the funds deposited until Maturity Date. If any or all of the Certificate original amount is withdrawn before the Maturity Date, federal regulation requires the credit union to charge a penalty. If your account has an original maturity of less or equal to 12 months, the penalty amount equivalent is up to 3 months' dividends plus all accrued, uncredited dividends. If your account has an original maturity of 13 to 47 months, the penalty amount equivalent is up to 6 months' dividends plus all accrued, uncredited dividends. If your account has an original maturity of greater than or equal to 48 months, the penalty amount equivalent is up to 12 months' dividends plus all accrued, uncredited dividends.

At our discretion, dividend rates are subject to change on the first business day of each week and the first business day of each month (unless otherwise noted).

Checking Account Rates

CheckingRates Effective: 1/29/2024

Dividend Rate APY* Minimum Balance to Earn Stated APY
Blaze Free Checking 0.000 0.00
Minnesota Wild Checking 0.000 0.00
St. Paul Saints 0.000 0.00
Pathfinder Debit 0.000 0.00
Dividend Checking 0.050 0.05
55 Plus Checking 0.050 0.05
St. Cloud Rox 0.000 0.00
HSA 0.300 0.30

*Annual Percentage Yield (APY)
At our discretion, dividend rates are subject to change on the first business day of each week and the first business day of each month (unless otherwise noted).
$100 minimum deposit required to open a Blaze Free Checking, Dividend Checking, HSA, Pathfinder, Rox, or Saints Checking account.

Fees

See current Service Fee Schedule for additional information. Fees may reduce earnings.