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If your APY starts with zero, we can't be friends

Earn 4.00% APY* on a 14-Month CD.

 

Start Earning

If your APY starts with zero, we can’t be friends.

Earn Up to 5.00% APY* With High-Yield Savings.

Savings That Actually Grow.Don't settle for 0%

Don’t let your cash sit around doing nothing. Your money deserves better, and so do you.

With our high-earning accounts, every dollar is working hard, growing faster, and getting you closer to your goals. Whether it’s a rainy-day fund or that trip you keep “researching” instead of booking, you’ll get there faster when every dollar pulls its own weight.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Lock In Your Earnings

 

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4.00% APY1


7-Month PROMO CD

Only $500 Minimum to Open.
Short-term commitment, long-term rewards. Our 7-Month CD gives you a great rate without the wait.

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4.00% APY2

14-Month PROMO CD

Only $500 Minimum to Open.
Go Jumbo: High-Yield Rates for $100,000. Nail down a great rate today and stop stressing about your long-term goals.

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ADDITIONAL
 0.25% APY3
FOR HEROES 

CD Rate Bump on All CDs
Because heroes deserve a boost: snag a 0.25% rate bump on all regular or jumbo CDs. Yes, even the promotional offers!

Still looking for the perfect fit?

Check out our full lineup of savings options.

*Annual Percentage Yield (APY) is accurate as of October 6, 2026. Rates are subject to change at any time without notice. Fees may reduce earnings. On certificates of deposit a penalty may be imposed for early withdrawal. View complete list of deposit disclosures and Fee Schedule.

17 Month CD – Limited Time Promotional Rate offer: No prior relationship requirement to apply for the Promotional Rate CD account. After you start the account, you may not make additional deposits to this Certificate Account.  This 7-Month Limited Time Promotional Rate CD is not eligible for the CD Rate Boost Program. IRA CDs are not eligible for this offer. On certificates of deposit, a penalty may be imposed for early withdrawal. For the 7-Month Promotional Certificates, on the maturity date indicated in your Account Receipt, the funds in the certificate will be transferred to a regular 6-month or jumbo 6-month certificate, as applicable. 
 

214 Month CD – Limited Time Promotional Rate offer: No prior relationship requirement to apply for the Promotional Rate CD account. After you start the account, you may not make additional deposits to this Certificate Account.  This 7-Month Limited Time Promotional Rate CD is not eligible for the CD Rate Boost Program. IRA CDs are not eligible for this offer. On certificates of deposit, a penalty may be imposed for early withdrawal. For the 7-Month Promotional Certificates, on the maturity date indicated in your Account Receipt, the funds in the certificate will be transferred to a regular 12-month or jumbo 12-month certificate, as applicable. 


3Heroes are eligible for an additional 0.25% interest rate increase on any CD term, excluding IRA CDs. The 0.25% increase applies only during the CD term and will expire at maturity. Click for more details.


If not currently a Members Choice Member, a $5 deposit is needed to establish membership. All memberships are subject to approval.

 

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