Skip to content

Checking & Savings  /  Savings  /  TBD Savings

Kickstart your emergency savings for expenses that are "To Be Determined"

5.12% APY¹ on balances up to $1,000

For medical expenses, car & home repairs, job loss, or whatever life throws at you!

Open Account

Woman checking her damaged washing machine, the floor is flooded.

{openTab}

Core Benefits


Higher Savings Rate.

Higher Savings Rate

5.12% APY¹ on deposits up to $1,000!

Additional Benefits


NCUA Insured

Plus, with Excess Share Insurance, your deposits are insured up to $1,000,000! Learn More

Early Pay

Receive your paychecks or benefits up to two days early! Learn More

Member Loyalty Cash

Your balance can help you qualify for our year-end patronage dividend! Learn More

Save Automatically

Automate your savings and watch it grow with direct deposit! Learn More

Monthly Fee

None

Minimum Opening Deposit

$5

Minimum Balance Requirement

None

Deposit & Withdrawal Limitations

None

Dividends Compounded

Monthly

{openTab}

24/7 access to your accounts with digital banking!

Holistic Account Management.
Holistic Account Management

Connect your bank accounts from other financial institutions to see your full financial life in one place.

Financial Wellness Tools.
Financial Wellness Tools

Credit Score & More, savings goals, budget tracker, spending analysis, and more!

E-Statements.
E-Statements

Skip the paper statements and go paperless.

More Features ⇒

{openTab}

Balance

Rate

APY¹

$0 - $1,000

5.00%

5.12%

$1,000.01+

0.05%

0.05%

All Savings Rates ⇒

{openTab}

Emergency Fund Calculator.

Emergency Fund Calculator

Find out how much you should save to stay financially secure during unexpected events.

Learn More 6 MIN ACTIVITY

Finding Funds in an Emergency.

Finding Funds in an Emergency

Wondering what to do in an emergency if you don’t have an emergency fund? Consider these options.

Read More 3 MIN READ

How to Prepare Your Home and Finances for a Natural Disaster.

How to Prepare Your Home and Finances for a Natural Disaster

While It’s comfortable to assume you’ll never have to face natural disaster, it’s much better to prepare.

Read More 7 MIN READ

Some restrictions apply. See current fee schedule.

[1] APY is Annual Percentage Yield. Rates accurate as of 7/1/2026.

[2] Goal Getter Savings: Balances $0 - $15,000 earn a rate of 3.50%, 3.56% APY. Balances $15,000.01+ earn a rate of 0.05%, 0.05% APY. Rates accurate as of 7/1/2026.