Savings Rates

Rates

All yields accurate as of December 18, 2024 and subject to change after the account is opened.
Fees could reduce earnings on accounts.

APY = Annual Percentage Yield,   DD/DW = Day of Deposit/Day of Withdrawal

Savings Rates

Rates Effective: 12/18/2024

Statement Savings	Dividend Rate	APY	Term	Minimum Balance Required	Rate May Change	Open Account
High Dividend Savings	3.8263%	3.90%	DD/DW	$500.00	Daily	Members log in to open
MyLife Savings (on the first $500)	1.9810%	2.00%	DD/DW	$1.00	Daily	Open Now Members log in to open
MyLife Savings (Amounts over $500)	0.020%	0.02%	DD/DW	$1.00	Daily
MyLife Savings for Kids (on the first $500)	1.9810%	2.00%	DD/DW	$1.00	Daily	Open Now Contact Member Services to open
MyLife Savings for Kids (Amounts over $500)	0.020%	0.02%	DD/DW	$1.00	Daily

Learn More About High Dividend Savings

MyLife Money
Market Rates
(Rates also apply to
our Business Money Market
rates.)

Rates Effective: 12/18/2024

Certificate Accounts

Certificate Account products (similar to CDs) are available for Individual Retirement Accounts (IRAs),
with the exception of the 11 Month Special Certificate (No Early Withdrawal Penalty).

Fixed Rate  

Certificate Accounts

Rates Effective: 12/18/2024

Fixed Rate Accounts	Dividend Rate	APY	Term	Minimum Balance Required	Open Account
60 Month	3.9224%	4.00%	60 months	$500	Open Now Members log in to open
48 Month	3.9224%	4.00%	48 Months	$500	Open Now Members log in to open
36 Month1 Rate Special	3.9224%	4.00%	36 Months	$500	Open Now Members log in to open
24 Month1 Rate Special	4.0666%	4.15%	24 Months	$500	Members log in to open
18 Month1 Rate Special	4.2105%	4.30%	18 Months	$500	Open Now Members log in to open
12 Month1 Rate Special	4.1626%	4.25%	12 Months	$500	Open Now Members log in to open
11 Month2 No Early Withdrawal Penalty	3.9225%	4.00%	11 Months	$500	Open Now Members log in to open
9 Month	3.9227%	4.00%	9 Months	$500	Open Now Members log in to open
6 Month	4.4025%	4.50%	6 Months	$500	Open Now Members log in to open
3 Month	3.9233%	4.00%	3 Months	$500	Open Now Members log in to open
Dividends are calculated and compounded daily and credited monthly on the last calendar day of the month. The APY for all accounts is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. A premature withdrawal from a Certificate will incur a significant penalty. All term accounts are available for a range of maturity days to permit you to schedule redemption for a business day. These accounts are subject to fees which will reduce your total earnings and other conditions which are detailed in our Membership Disclosure Booklet; Certificate Account Disclosure Form; and Fees and Service Charges Schedule. 1 Promotional rates. Certificates will renew at regular rates upon maturity. Regular share certificates with a term of 36 months provides a 4.00% APY. Regular share certificates with a term of 24 months provides a 4.15% APY. Regular share certificates with a term of 18 months provides a 4.30% APY. Regular share certificates with a term of 12 months provides a 4.25% APY. 211 Month No Penalty Certificate is not available for Individual Retirement Accounts (IRA), Health Savings Accounts (HSA), or Coverdell education savings accounts (Coverdell ESA).

Learn More About Certificate Accounts

Step-Up Rate

Rates Effective: 12/18/2024

Step-Up Rate Accounts	Dividend Rate	APY	Term	Minimum Balance Required	Open Account
24 Month Step-Up	4.0666%	4.15%	24 Months	$500	Open Now Members log in to open
12 Month Step-Up	4.1626%	4.25%	12 Months	$500	Open Now Members log in to open
Member can request a one-time rate increase prior to maturity. On the date of the request, we will adjust the rate to match the USALLIANCE rate posted for the current Step-Up certificate with the same original maturity (12 or 24 months).

Learn More About Certificate Accounts

Additional Savings
Rates

Rates Effective: 12/18/2024

Statement Savings	Dividend Rate	APY	Term	Minimum Balance Required	Rate May Change
Platinum Money Manager (If minimum balance is maintained)	0.2996%	0.30%	DD/DW	$75,000	Daily
Platinum Money Manager (If balance falls below minimum)	0.050%	0.05%	DD/DW	$75,000	Daily
Diamond Money Manager (If minimum balance is maintained)	0.2498%	0.25%	DD/DW	$50,000	Daily
Diamond Money Manager (If balance falls below minimum)	0.050%	0.05%	DD/DW	$50,000	Daily
Silver Money Manager (If minimum balance is maintained)	0.200%	0.20%	DD/DW	$5,000	Daily
Silver Money Manager (If balance falls below minimum)	0.050%	0.05%	DD/DW	$5,000	Daily
Education Savings Coverdell Education Savings Account (ESA)	0.650%	0.65%	DD/DW	$1.00	Daily
STAR Account IRA retirement savings account only (Traditional, Roth, SEP, SIMPLE)	0.400%	0.40%	DD/DW	$25.00	Daily
Club Account	0.250%	0.25%	1 - 12 Months	$1.00	Daily
Super Savings Money Manager (If minimum balance is maintained)	0.250%	0.25%	DD/DW	$25,000	Daily
Super Savings Money Manager (If balance falls below minimum)	0.050%	0.05%	DD/DW	$25,000	Daily
Savings Plus (Amounts > $2,000)	0.100%	0.10%	DD/DW	$500	Daily
Savings Plus (on the first $2,000)	0.050%	0.05%	DD/DW	$1.00	Daily
Share Mgmt, Kids, Teen and Health Savings Accounts (Amounts > $2,000)	0.050%	0.05%	DD/DW	$1.00	Daily
Share Mgmt, Kids, Teen and Health Savings (on the first $2,000)	0.020%	0.02%	DD/DW	$1.00	Daily