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Checking / Savings Rates



Account APY Minimum
Choice Checking with Interest {{ratesnum.74}}% $2,500 Monthly
Health Savings Account {{ratesnum.75}}% $5.00 Monthly

Centsible Savings2


Account Balance   APY Dividends
$0.01 - $1000.00   {{ratesnum.76}}% Quarterly
$1,000.01 or greater   {{ratesnum.77}}% Quarterly

Savings Accounts3

Account Balance   APY Dividends
$100.00 - $2,499.99   {{ratesnum.80}}% Quarterly
$2,500.00 - $24,999.99   {{ratesnum.81}}% Quarterly
$25,000.00 - $74,999.99   {{ratesnum.82}}% Quarterly
$75,000.00 and Above   {{ratesnum.83}}% Quarterly

High Yield Savings4


Account Balance   APY Dividends
$0.01 - $25,000   4.25% Monthly
$25,001 and above   0.25% Monthly


IRA Savings and Education (Coverdell) Savings3

Available in Traditional and Roth IRA Savings and Educational (Coverdell) Savings

Account Balance   APY Dividends
$.01 - $2,499.99   {{ratesnum.84}}% Quarterly
$2,500 - $24,999.99   {{ratesnum.85}}% Quarterly
$25,000 - $74,999.99   {{ratesnum.86}}% Quarterly
$75,000.00 and Above   {{ratesnum.87}}% Quarterly


Contact a credit union employee for more details on our products as well as our current rates.
Please note that when referring to APY, APY stands for Annual Percentage Yield.

For Checking accounts and IRAs, the APY shown is accurate as of 10/1/2023.

For Savings accounts, the APY shown is accurage as of 12/5/2023.

The annual percentage yields for Savings and Centsible Savings are the prospective rates that the credit union anticipates paying for the applicable dividend period, as determined by the credit union Board of Directors.

Rates subject to change after account opening. 

Minimum opening deposit to open a Savings account is $5.00. See Truth in Savings disclosure for terms and fees associated with checking accounts.

1There is a monthly service charge if your average daily balance is less than $2,500. Terms and conditions subject to change.

2Must have an Avadian checking account and debit card to open a Centsible Savings aaccount. Choice Checking Accounts are subject to membership and eligibility. Centsible Savings' APY is accurate as of Dec. 31, 2023. Minimum average daily balance to earn advertised APY is $0.01 at the end of each quarter. Fees may reduce earnings. Cannot make deposits or transfers into a Centsible Savings Account. Rate subject to change.

Avadian’s match contribution will be credited to the Centsible Savings Account at the end of the calendar quarter based on the accumulated contribution for the calendar quarter or the balance in the account at the end of the calendar quarter, whichever is less. The maximum total match is $250 per year. Fees could reduce earnings.

3 Dividends are calculated by monthly average daily balance methods of $100 or more and are paid and compounded quarterly. Share accounts with a minimum balance of $100 or share accounts with a $5 balance and additional Avadian products are considered "active" and are not subject to minimum balance or dormant account fees. These fees do not apply to members less than 19 years of age. Christmas Club Savings Account funds are available to withdraw between October 1 and December 31 without penalty.

4 Limit one High-Yield Savings account per Primary member, regardless of how many open memberships you have. To earn the maximum APY on balances up to $25,000, you must be enrolled in e-statements and have or open an Avadian checking account with direct deposit of $500 or greater. If all requirements are not met, then 0.25% APY shall apply to all balance ranges. Direct deposits are electronic deposits of items such as payroll, Social Security, retirement, or government payments. Person-to-person transfers, account-to-account transfers, mobile deposits, or deposits made in-branch or at an ATM or ATM Plus+ do not qualify as direct deposit. Choice Checking accounts require a minimum opening deposit of $25. Choice Checking accounts are subject to membership and eligibility.


Ready to open a checking or savings acccount?

The credit union is federally insured by the National Credit Union Administration.
Additional insurance of up to $250,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company.

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