You’ve put in the work. Now let your savings do the same. Choose a share certificate for a set rate, a Liquid CD for flexibility, or an IRA to build toward retirement. All share accounts are federally insured up to $250,000 by the NCUA.
We offer competitive rates on our Share Certificates with terms from 3 months to 60 months. The minimum amount to open a Share Certificate is $1,000.
Our IRA Certificates combine the high yields of Share Certificates with the tax advantages of an IRA account.
Our 12-month Liquid Certificate of Deposit means you get the advantage of a great rate and the ability to make withdrawals. You have access to your funds. Plus, you can have an unlimited number of deposits during the 12-month certificate term.
Our Individual Retirement Accounts (IRAs) pay a competitive dividend and provide a tax-deferred source of income for your retirement years.
Deposits can be made in cash, check, payroll deduction, direct deposit, using our Mobile Deposit App, at any CO-OP Shared Branch location, or via ATM using your SMART Federal Credit Union issued ATM or Visa® Debit card. Please see Agreements and Disclosures for more information.
Effective September 2026
| Account Name | Balance | Annual Percentage Yield (APY) | Dividend Rate |
| Membership Savings |
$250.00 to $2,499.99 $2,500.00 to $19,999.99 $20,000.00 to $49,999.99 $50,000.00 to $74,999.99 $75,000.00 or more |
0.01% 0.01% 0.01% 0.02% 0.05% |
0.01% 0.01% 0.01% 0.02% 0.05% |
| Youth Savings | $5.00 or more | 0.50% | 0.49% |
| Christmas Club | $0.01 or more | 0.02% | 0.02% |
| Vacation Pay Checking | $2,500.00 or more | 0.02% | 0.02% |
| Money Market* |
$2,500.00 to $9,999.99 $10,000.00 to $24,999.99 $25,000.00 to $49,999.99 $50,000.00 or more |
0.14% 0.19% 0.25% 0.30% |
0.14% 0.19% 0.24% 0.29% |
| High-Yield Money Market* |
$25,000.00 to $99,999.99 $100,000.00 or more |
3.20% 3.25% |
3.15% 3.19% |
| IRA Savings | $0.01 or more | 0.01% | 0.01% |
*Money Market – Dividends are paid monthly based on the aggregate balance in the account.
| Certificate Term | Minimum Balance To Earn Dividend | Annual Percentage Yield (APY) | Dividend Rate |
| 6 Months | $1,000.00 | 3.50% | 3.44% |
| Certificate Term | Minimum Balance To Earn Dividend | Annual Percentage Yield (APY) | Dividend Rate |
| 12 Months | $1,000.00 | 3.35% | 2.95% |
| Certificate Term | Minimum Balance To Earn Dividend | Annual Percentage Yield (APY) | Dividend Rate |
| 12 Months | $50.00 to $1,000.00 | 4.00% | 3.91% |
| Certificate Terms | Minimum Balance to Earn Dividend | Annual Percentage Yield (APY) | Dividend Rate |
| 3 Months | $1,000.00 | 1.00% | 0.99% |
| 6 Months | $1,000.00 | 1.50% | 1.48% |
| 12 Months | $1,000.00 | 0.85% | 0.84% |
| 18 Months | $1,000.00 | 0.90% | 0.89% |
| 24 Months | $1,000.00 | 2.00% | 1.97% |
| 36 Months | $1,000.00 | 1.88% | 1.86% |
| 48 Months | $1,000.00 | 3.00% | 2.95% |
| 60 Months | $1,000.00 | 3.00% | 2.95% |
Early Withdrawal Penalty – We may impose a penalty if you withdraw any of the principal balance from your Share Certificate account before the maturity date. For fees and penalty, please refer to current agreement and disclosures. However, we pay dividends up to the date of withdrawal.
