My Savings

Enjoy no monthly service fee and automatic savings.

A free My Savings account does the saving for you. It links to your free My Cash or My Cashback checking to help you save automatically!

When you earn cash rewards in your My Cash checking, those earnings transfer into your My Savings. Plus, My Savings pays up to 0.25% APY!* It's saving simplified. Apply for your accounts online now.

  • Free account that builds your savings effortlessly
  • Links to free My Cash or My Cash Back checking account
  • Automatic transfers of My Cash or My Cash Back earnings
  • 0.25% APY* on balances up to $10,000
  • 0.25% to 0.16% APY on balances over $10,000 depending on balance in account*
  • 0.05% APY* if qualifications are not met in My Cash or My Cash Back
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free Online Banking
  • Free Mobile Banking
  • Free eStatements 
  • Free CU*Talk Phone Banking
  • No minimum deposit to open
  • Shared Branches & ATMs
  • Fee Schedule

NEW! You can now open a new savings account in online banking or in the mobile app. 

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It's Easy to Earn Rewards With My Savings!

Qualifying for your My Cash or My Cash Back rewards automatically qualifies you for the highest My Savings rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your My Cash or My Cash Back account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH) withdraw post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking at least once

That's all it takes! And if you don't meet these qualifications, your accounts are still free. Plus, you'll still earn our base rate in My Savings. And you can get right back to earning your full rewards the very next cycle that you qualify.



*APY=Annual Percentage Yield. APYs accurate as of 7/1/2017. Rates may change after account is opened. For My Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 3.25%; and (3) balances over $15,000 earn 0.15% interest rate on the portion of the balance over $15,000, resulting in a range of 3.25% to 0.55% APY depending on the balance. If qualifications are not met on My Cash all balances earn 0.10% APY. Qualifying transactions must post to and settle My Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised My Cash APY is based on compounding interest. Interest earned in My Cash is automatically transferred to My Savings each statement cycle and does not compound. Actual interest amount paid may be less than advertised My Cash APY. The My Savings APYs may be less than My Cash APYs. If qualifications in My Cash are met each monthly qualification cycle: (1) balances up to $10,000 in My Savings receive an APY of 0.25%; and (2) balances over $10,000 in My Savings earn 0.15% interest rate on portion of balance over $10,000, resulting in a range of 0.16% to 0.25% APY depending on the balance. If qualifications are not met on My Cash, all balances in My Savings earn 0.10% APY. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

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