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Rates

Check out the attractive rates on our savings & checking accounts!


Rates effective January 12, 2026.
3.80% APY
12 Month Certificate
3.90% APY
18 Month Certificate
2.25% APY
Reward Checking
6.00% APY
Youth Saver Certificate
At Co-op Credit Union we work hard to provide competitive rates for our members. We know it's important to have as much information as possible at your fingertips when making financial decisions. 
Type of Account Annual Percentage Yield1 Dividend Rate
Share Savings 0.15% 0.15%
Share Draft Checking 0.05% 0.05%
FREE Checking 0.00% 0.00%
Reward Checking 2.25% 2.23%
Money Market Account

$10,000 < $25,000 1.40% 1.39%
$25,000 < $50,000 1.75% 1.74%
$50,000 < $100,000 1.85% 1.84%
$100,000 < $250,000 2.15% 2.13%
$250,000 & over 2.25% 2.23%
Super Share Savings

$1,000 < $5,000 0.80% 0.80%
$5,000 < $10,000 0.85% 0.85%
$10,000 < $20,000 1.20% 1.19%
$20,000 < $30,000 1.35% 1.34%
$30,000 < $40,000 1.40% 1.39%
$40,000 < $50,000 1.50% 1.49%
$50,000 & over 1.70% 1.69%
Individual Retirement Account 0.45% 0.45%
Health Savings Account

0 < $10,000 0.45% 0.45%
$10,000 & over 0.60% 0.60%
Christmas Club 0.15% 0.15%
GoalSetter Savings (balances up to $10,000) 1.40% 1.39%
Escrow Savings 0.17% 0.17%
Funeral Trust 0.15% 0.15%
Tax Savings 0.15% 0.15%
Term of Investment Annual Percentage Yield1 Dividend Rate
6 month 2.00% 2.00%
12 month 3.80% 3.75%
18 month 3.90% 3.84%
24 month 2.85% 2.82%
36 month 2.85% 2.82%
48 month 2.85% 2.82%
60 month 2.85% 2.82%
Term of Investment Annual Percentage Yield2 Dividend Rate
12 month 6.00% 5.87%
Term of Investment Annual Percentage Yield1 Dividend Rate
6 month 2.05% 2.05%
12 month 3.85% 3.80%
18 month 3.95% 3.89%
24 month 2.90% 2.87%
36 month 2.90% 2.87%
48 month 2.90% 2.87%
60 month 2.90% 2.87%
Term of Investment Annual Percentage Yield1 Dividend Rate
12 month 3.85% 3.80%
36 month 2.90% 2.87%
60 month 2.90% 2.87%





1Rates are APY (Annual Percentage Yield) and are subject to change at any time. Substantial penalty for early withdrawal. APYs are at the discretion of loan officer or loan committee.

2Rates are APY (Annual Percentage Yield) and are subject to change at any time. Substantial penalty for early withdrawal. APYs are at the discretion of loan officer or loan committee. Limit one Youth Saver Certificate per member under the age of 18. Maximum deposit of $3,000. Once the member turns 18, the certificate will automatically renew into a 12-month share certificate at the current rate on the date of maturity.

 

See our Fees & Disclosures page for additional account information and terms.

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FREE Reward Checking Account

Find out how you can get more from your checking account with a 2.25% APY.

Explore Reward Checking