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Deposit Rates

Checking

Dividend Checking

Rates accurate as of February 21, 2025
APY* Minimum balance to earn APY
0.01% $250
0.06% $5,000
0.11% $25,000

Disclosures

*Annual Percentage Yield (APY) accurate as of date shown and subject to change. $6 monthly service fee waived with $250 minimum balance; fees may reduce earnings.

 

 

Savings

Primary, Additional and Youth Savings

Rates accurate as of February 21, 2025
Account APY* Minimum balance to earn APY
Primary Savings 0.05% $5
Additional Savings 0.05% $5
Youth Savings 0.05% $5

Disclosures

*Annual Percentage Yield (APY) accurate as of date shown and is subject to change. $5 minimum opening deposit. $3 monthly service fee waived with $100 minimum balance; for Youth accounts (age 17 and under), $5 minimum balance to waive monthly service fee. Fee applies to members with only a Primary Savings Account. Fees may reduce earnings.

Bonus Savings

Earn 65x more than Solarity Primary savings

Rates accurate as of February 21, 2025
Account APY* Minimum balance to earn APY
Qualified Rate 3.25% $0.01
Non-Qualified Rate 0.05% $0.01

Disclosures
*Annual Percentage Yield (APY) effective as of date shown and subject to change after account is opened. Rates and terms subject to change. Fees may reduce earnings. Minimum to open the account is $5; minimum to earn APY is $0.01. To earn the qualified rate of 3.25% APY, settle and clear 20+ debit card purchases per month in your linked Solarity checking account and be enrolled in eStatements. If qualifications are not met, account will earn the non-qualified rate of 0.05% APY. Limit of one Bonus Savings per checking account.

Money Market

Earn higher rates for higher balances.

Rates accurate as of February 21, 2025
*APY Minimum balance to earn APY
0.25% $0.01
0.50% $5,000
0.75% $25,000
1.00% $50,000
1.25% $100,000

Disclosures

*Annual Percentage Yield (APY) accurate as of date shown. The APY we pay is based on the tier in which your balance falls. APYs are variable and subject to change. $2,000 minimum opening deposit. Fees may reduce earnings.

Money Market Max

Rates accurate as of February 21, 2025
*APY Minimum balance to earn APY
0.25% $0.01
0.50% $5,000
1.25% $25,000
2.25% $50,000
2.75% $100,000

Disclosures
*Annual Percentage Yield (APY) effective as of date shown. The APY we pay is based on the tier in which your balance falls. APYs are variable and subject to change. $25,000 minimum opening deposit. Fees may reduce earnings. 

Certificates

Rates accurate as of February 21, 2025
Term *APY Minimum to open and earn APY
3 months 0.05% $500
3 months 0.15% $10,000
3 months 0.20% $75,000
6 months 0.05% $500
6 months 0.25% $10,000
6 months 0.25% $75,000
12 months 0.10% $500
12 months 0.45% $10,000
12 months 0.50% $75,000
24 months 0.15% $500
24 months 0.50% $10,000
24 months 0.55% $75,000
36 months 0.20% $500
36 months 0.50% $10,000
36 months 0.55% $75,000
48 months 0.25% $500
48 months 0.50% $10,000
48 months 0.55% $75,000

Disclosures

*Annual Percentage Yield (APY). A penalty may be imposed for early withdrawal. Does not apply to IRAs. Fees may reduce earnings.

Certificate special

Rates accurate as of February 21, 2025
Term *APY Minimum to open and earn APY
7 months 4.25%¹ $20,000
7 months 4.15% $10,000
26 months 3.25% $25,000

Disclosures
*Annual Percentage Yield effective as of date shown. Fees may reduce earnings. Maximum opening deposit of $1 million. A penalty may be imposed for early withdrawal. Does not apply to IRAs. 1Requires a minimum of $20,000 in new funds from outside Solarity.

IRA Savings (Traditional and Roth)

Rates accurate as of February 21, 2025
Account APY* Minimum balance to earn APY
IRA Savings 0.20% $0.01

Disclosures
*Annual Percentage Yield (APY) accurate as of date shown and is subject to change. $500 minimum opening deposit. A $20 annual service fee applies to any membership account with one or more IRA savings or IRA certificate. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Please consult with your tax advisor for additional tax information.

IRA Certificates (Traditional and Roth)

Rates accurate as of February 21, 2025
Term APY* Minimum balance to earn APY
12 months 4.25% $500
12 months 4.25% $10,000
12 months 4.25% $75,000
24 months 4.00% $500
24 months 4.00% $10,000
24 months 4.00% $75,000
36 months 3.75% $500
36 months 3.75% $10,000
36 months 3.75% $75,000

Disclosures
*Annual Percentage Yield (APY) accurate as of date shown and is subject to change. $500 minimum opening deposit. A $20 annual service fee applies to any membership account with one or more IRA savings or IRA certificate. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Please consult with your tax advisor for additional tax information.

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