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    Truth in Savings
    Consumer Account Rate Sheet

    This document is part of your Truth in Savings Disclosure. Please refer to your Member Handbook for additional account information.

    Membership Share Savings Accounts

    TIERED EARNINGS

    $25.00 minimum balance to open, maintain account and earn dividends.

  • Balance TiersDividend RateAnnual Percentage YieldEffective Date
    $25.00 to $2,499.990.200%0.20%09/01/2023
    $2,500.00 and above0.200%0.20%09/01/2023
  • Health Savings Accounts

    TIERED EARNINGS

    $0.00 minimum balance to open account. $0.01 minimum balance to maintain account and earn dividends.

  • Balance TiersDividend RateAnnual Percentage YieldEffective Date
    $0.01 to $2,500.000.399%0.40%09/01/2023
    $2,500.01 and above0.499%0.50%09/01/2023
  • Money Market Plus Accounts

    TIERED EARNINGS

    $0.00 minimum balance to open account and $2,500.00 to earn dividends. $0.01 minimum balance to maintain account.

  • Balance TiersDividend RateAnnual Percentage YieldEffective Date
    $0.01 - $2,499.990.000%0.00%09/01/2023
    $2,500.00 - $24,999.990.499%0.50%09/01/2023
    $25,000.00 - $49,999.990.847%0.85%09/01/2023
    $50,000.00 - $99,999.99*0.995%1.00%09/01/2023
    $100,000.00 - $149,999.99*1.243%1.25%09/01/2023
    $150,000.00 - $299,999.99*1.490%1.50%09/01/2023
    $300,000.00 - $499,999.99*1.884%1.90%09/01/2023
    $500,000.00 - $999,999.99*1.933%1.95%09/01/2023
    $1,000,000.00 and above*2.031%2.05%09/01/2023
  • Checking (Share Draft) Accounts

    $0.00 minimum balance to open account.

    $0.01 minimum balance to maintain account.

    $1,500 minimum balance to earn dividends on Interest Checking.

  • Account TypesAmountDividend RateAnnual Percentage YieldEffective Date
    Basic CheckingN/AN/AN/AN/A
    Interest Checking$0.01 - $1,499.990.000%0.00%09/01/2023
    Interest Checking$1,500.00 and above0.100%0.10%09/01/2023
  • Individual Retirement Accounts

    $25.00 minimum balance to open account. $0.01 minimum balance to maintain account and earn dividends.

  • Dividend RateAnnual Percentage YieldEffective Date
    0.200%0.20%09/01/2023
  • Flextime Certificates and IRA Certificates

    $1,000.00 minimum balance to open a Flextime or IRA Certificate.

  • TermDividend RateAnnual Percentage YieldEffective Date
    14 - 29 daysN/AN/AN/A
    1 monthN/AN/AN/A
    2 monthsN/AN/AN/A
    3 - 5 months2.231%2.25%09/01/2023
    5 Months4.929%5.00%09/01/2023
    6 - 8 months2.485%2.50%09/01/2023
    9 - 11 months2.741%2.75%09/01/2023
    10 months4.980%5.00%09/01/2023
    12 - 17 months3.455%3.50%09/01/2023
    15 Months4.909%5.00%09/01/2023
    17 months*5.150%5.25%09/01/2023
    18 - 23 months3.455%3.50%09/01/2023
    18 month Raise My Rate**3.455%3.50%09/01/2023
    24 - 35 months3.455%3.50%09/01/2023
    24 month Raise My Rate**3.455%3.50%09/01/2023
    36 - 47 months3.455%3.50%09/01/2023
    48 - 59 months3.455%3.50%09/01/2023
    60 months3.601%3.65%09/01/2023
  • Jumbo Flextime Certificates and Jumbo IRA Certificates

    $95,000.00 minimum balance to open a Jumbo Flextime or Jumbo IRA Certificate.

  • TermDividend RateAnnual Percentage YieldEffective Date
    14 - 29 days0.300%0.30%09/01/2023
    1 month0.349%0.35%09/01/2023
    2 months0.449%0.45%09/01/2023
    3 - 5 months2.231%2.25%09/01/2023
    5 Months4.929%5.00%09/01/2023
    6 - 8 months2.485%2.50%09/01/2023
    9 - 11 months2.741%2.75%09/01/2023
    10 months4.980%5.00%09/01/2023
    12 - 17 months3.455%3.50%09/01/2023
    17 Months*5.150%5.25%09/01/2023
    18 - 23 months3.455%3.50%09/01/2023
    18 month Raise My Rate**3.455%3.50%09/01/2023
    24 - 35 months3.455%3.50%09/01/2023
    24 month Raise My Rate**3.455%3.50%09/01/2023
    36 - 47 months3.455%3.50%09/01/2023
    48 - 59 months3.455%3.50%09/01/2023
    60 months3.601%3.65%09/01/2023
  • 2010 North First Street | San Jose, CA 95131 | (800) 553-0880

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