Rates

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

Rates effective January 1, 2023.

Rates

Type of Account	Annual Percentage Yield	Dividend Rate
Share Savings	0.15%	0.15%
Share Draft Checking	0.05%	0.05%
FREE Checking	0.00%	0.00%
Reward Checking	2.00%	1.98%
Money Market Account
$10,000 < $25,000	0.80%	0.80%
$25,000 < $50,000	0.95%	0.95%
$50,000 < $100,000	1.10%	1.09%
$100,000 < $250,000	1.35%	1.34%
$250,000 & over	1.40%	1.39%
Super Share Savings
$1,000 < $5,000	0.50%	0.50%
$5,000 < $10,000	0.55%	0.55%
$10,000 < $20,000	0.70%	0.70%
$20,000 < $30,000	0.75%	0.75%
$30,000 < $40,000	0.90%	0.90%
$40,000 < $50,000	0.95%	0.95%
$50,000 & over	1.10%	1.09%
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)	0.75%	0.75%
Escrow Savings	0.09%	0.09%
Funeral Trust	0.15%	0.15%
Tax Savings	0.15%	0.15%

Here are rates for our general, IRA, and Health Savings Account certificates.

Certificates ($100 minimum)

Term of Investment	Annual Percentage Yield	Dividend Rate
6 month	1.60%	1.59%
10 month Special*	4.00%	3.94%
12 month	2.10%	2.08%
18 month	2.20%	2.18%
19 month Special**	3.75%	3.70%
24 month	2.30%	2.28%
30 month Special**	3.75%	3.70%
36 month	2.35%	2.33%
48 month	2.45%	2.43%
60 month	2.50%	2.48%

Annual Percentage Yield (APY) & Dividend Rates as of January 23, 2023. Subject to change. Substantial penalty for early withdrawal.

*Annual Percentage Yield. Rate accurate as of January 23, 2023. Subject to change and/or cancellation at any time. Substantial penalty for early withdrawal. At maturity, certificate may be redeemed or will automatically renew to a 12-month certificate at the prevailing rate.

**Annual Percentage Yield. Rate accurate as of January 23, 2023. Subject to change and/or cancellation at any time. Substantial penalty for early withdrawal. At maturity, certificate may be redeemed or will automatically renew to an 18- or 24-month certificate (whichever is nearest and shorter than the current term) at the prevailing rate.

IRA Certificates ($1,000 minimum)

Term of Investment	Annual Percentage Yield	Dividend Rate
6 month	1.65%	1.64%
10 month Special*	4.05%	3.99%
12 month	2.15%	2.13%
18 month	2.25%	2.23%
19 month Special**	3.80%	3.75%
24 month	2.35%	2.33%
30 month Special**	3.80%	3.75%
36 month	2.40%	2.38%
48 month	2.50%	2.48%
60 month	2.55%	2.53%

Annual Percentage Yield (APY) & Dividend Rate as of January 23, 2023. Subject to change. Substantial penalty for early withdrawal.

**Annual Percentage Yield. Rate accurate as of January 23, 2023. Subject to change and/or cancellation at any time. Substantial penalty for early withdrawal. At maturity, certificate may be redeemed or will automatically renew to an 18- or 24-month share IRA certificate (whichever is nearest and shorter than the current term) at the prevailing rate.

Health Savings Account Certificate ($1,000 minimum)

Term of Investment	Annual Percentage Yield	Dividend Rate
12 month	2.15%	2.13%
36 month	2.40%	2.38%
60 month	2.55%	2.53%

Annual Percentage Yield (APY) & Dividend Rate as of January 23, 2023. Subject to change. Substantial penalty for early withdrawal.

Rates are APY (Annual Percentage Yield) and are subject to change at any time. Loan term lengths, amounts financed, and APYs are at the discretion of loan officer or loan committee.

Youth Saver/Student Certificate

Youth savers and full-time students of any age enjoy the same certificate Annual Percentage Yields and Rates, also with a $100 Minimum!

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 you are making financial decisions. When you have found the rate and service you are interested in, visit or call one of our convenient locations for personal assistance. See our Fees & Disclosures page for additional account information and terms.