Rates

Great checking & savings rates, always up to date.

From a high-yield checking account that’s 57x better than the average bank’s to savings accounts that grow with you, we help you earn more every day.

Savings

Member Savings - Rates
Account Dividend Rate (Interest) APY
Savings — $100 + 0.25% 0.25%
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Rates as of 09/11/26 and subject to change.

Max Savings - Rates
Account Dividend Rate (Interest) APY
Max Savings — $0 - $99.99 0.00% 0.00%
Max Savings — $100 - $99,999.99 1.74% 1.75%
Max Savings — $100,000 - $249,999.99 2.87% 2.90%
Max Savings — $250,000 - $499,999.99 3.11% 3.15%
Max Savings — $500,000 - $999,999.99 3.11% 3.15%
Max Savings — $1,000,000 + 3.84% 3.90%
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Rates as of 09/11/26 and subject to change.

Money Market - Rates
Account Dividend Rate (Interest) APY
Money Market — $2,500 - $9,999.99 1.00% 1.00%
Money Market — $10,000 - $24,999.99 1.00% 1.00%
Money Market — $25,000 - $49,999.99 1.98% 2.00%
Money Market — $50,000 - $99,999.99 1.98% 2.00%
Money Market — $100,000 - $249,999.99 2.86% 2.90%
Money Market — $250,000 + 3.11% 3.15%
Money Market — $0 - $2,499.99 1.00% 1.00%
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Rates as of 09/11/26 and subject to change.

Holiday Club - Rates
Account Dividend Rate (Interest) APY
Holiday Club 0.25% 0.25%
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Rates as of 09/11/26 and subject to change.

Kids Club Savings - Rates
Account Dividend Rate (Interest) APY
Kids Club Savings — $0 - $1,000 2.97% 3.00%
Kids Club Savings — $1,001 + 0.25% 0.25%
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Rates as of 09/11/26 and subject to change.

Teen Club Savings - Rates
Account Dividend Rate (Interest) APY
Teen Club Savings — $0 - $1,000 2.97% 3.00%
Teen Club Savings — $1,001 + 0.25% 0.25%
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Rates as of 09/11/26 and subject to change.

Health Savings Accounts - Rates
Account Dividend Rate (Interest) APY
Health Savings Account — $5,000 - $14,999.99 0.50% 0.50%
Health Savings Account — $15,000 + 1.00% 1.00%
Health Savings Account — $0 - $999.99 0.25% 0.25%
Health Savings Account — $1,000 - $4,999.99 0.25% 0.25%
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Rates as of 09/11/26 and subject to change.

IRA Money Market Savings - Rates
Account Dividend Rate (Interest) APY
IRA Money Market Savings 0.60% 0.60%
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Rates as of 09/11/26 and subject to change.

Roth IRA - Rates
Account Dividend Rate (Interest) APY
Roth IRA Shares 0.60% 0.60%
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Rates as of 09/11/26 and subject to change.

SEP IRA - Rates
Account Dividend Rate (Interest) APY
SEP IRA 0.60% 0.60%
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Rates as of 09/11/26 and subject to change.

Coverdell ESA Money Market - Rates
Account Dividend Rate (Interest) APY
Coverdell ESA Money Market 0.60% 0.60%
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Rates as of 09/11/26 and subject to change.

Checking

Free Checking Account - Rates
Account Dividend Rate (Interest) APY
Free Checking Account 0.00% 0.00%
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Rates as of 09/11/26 and subject to change.

Max Checking¹ - Rates
Account Dividend Rate (Interest) APY
Max Checking Account — $0 - $15,000 3.93% 4.00%
Max Checking Account 0.00% 0.00%
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Rates as of 09/11/26 and subject to change.

Investors Checking - Rates
Account Dividend Rate (Interest) APY
Investors Checking Account — $2,500 - $4,999.99 0.15% 0.15%
Investors Checking Account — $5,000 - $24,999.99 0.15% 0.15%
Investors Checking Account — $25,000 + 0.20% 0.20%
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Rates as of 09/11/26 and subject to change.

Advantage 50 Checking - Rates
Account Dividend Rate (Interest) APY
Advantage 50 Checking 0.25% 0.25%
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Rates as of 09/11/26 and subject to change.

IOLTA - Rates
Account Dividend Rate (Interest) APY
IOLTA 2.70% 2.73%
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Rates as of 09/11/26 and subject to change.

IOTA - Rates
Account Dividend Rate (Interest) APY
IOTA 2.70% 2.73%
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Rates as of 09/11/26 and subject to change.

Business Interest Checking - Rates
Account Dividend Rate (Interest) APY
Business Interest Checking Account 0.00% 0.00%
Business Interest Checking Account — $2,500 - $9,999.99 0.10% 0.10%
Business Interest Checking Account — $10,000 - $24,999.99 0.10% 0.10%
Business Interest Checking Account — $25,000 - $99,999.99 0.15% 0.15%
Business Interest Checking Account — $100,000 - $499,999.99 0.20% 0.20%
Business Interest Checking Account — $500,000 + 0.20% 0.20%
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Rates as of 09/11/26 and subject to change.

Disclosures

Rates may change after account opening. This APY is accurate as of 9/10/2026. Fees may reduce earnings. No minimum balance required. To earn interest some requirements apply. Monthly requirements must occur by 8:00 p.m. ET on the last day of the month. Purchases do not include ATM transactions. Credit or Debit card purchase requirements are based on purchase preference. Interest not paid on balances over $15,000. Interest not paid if requirements are not met. Nearly $600 is earned at 4.00% APY on balances of $15,000.00.

Disclosures

Fees may reduce earnings. Rates are subject to change after account opening. Some requirements apply.