Savings Rates

Sharing the advantages of saving for tomorrow

SAVINGS & CHECKINGMIN DEPOSITAPY*
Regular Share - Average Daily Balance
$0.00 - $5,000.00$10.00.05%
$5,000.01 - $25,000.00$10.00.05%
$25,000.01 and Greater$10.00.10%
Youth Account3 (up to 18 Years of Age)$5.00.15%
Other Share1 - Average Daily Balance
$0.00 - $5,000.00NA.05%
$5,000.01 - $25,000.00NA.05%
$25,000.01 and GreaterNA.10%
Money Market - Average Daily Balance
$0.00 - $10,000.00$2,000.00.20%
$10,000.01 - $20,000.00$2,000.00.20%
$20,000.01 and Greater$2,000.00.25%
Other Savings
Holiday Club2NA.40%
Mortgage Escrow AccountNA.05%
Checking
CheckingNA0.00%
Youth Checking3 (ages 15-18)NA0.00%
Investment - Average Daily Balance
Traditional IRA**$100.00.35%
Roth IRA**$100.00.35%

CDs / CERTIFICATES OF DEPOSITMIN DEPOSITRATE / APY*
Time Share
6 Month$500.00.40% / .40%
12 Month$500.00.60% / .60%
24 Month$500.00.70% / .70%
36 Month$500.001.15% / 1.15%
48 Month$500.001.30% / 1.31%
Traditional IRA**
6 Month IRA$500.00.30% / .30%
12 Month IRA$500.00.40% / .40%
24 Month IRA$500.00.90% / .90%
36 Month IRA$500.001.25% / 1.26%
48 Month IRA$500.001.40% / 1.41%
Roth IRA**
12 Month IRA$500.00.40% / .40%
24 Month IRA$500.00.90% / .90%
36 Month IRA$500.001.25% / 1.25%
48 Month IRA$500.001.40% / 1.40%
Educational Savings***
12 Month$25.00.40% / .40%
24 Month$25.00.90% / .90%
36 Month$25.001.25% / 1.26%
48 Month$25.001.40% / 1.41%

*APY = Annual Percentage Yield

**IRA = Individual Retirement Account. Withdrawal and contribution limitations apply.

***Withdrawal and contribution limitations apply.

1Multiple Other Share accounts can help budgeting & saving for goals by keeping funds separate.

2Funds transfer into the Regular Shares/Savings on the 2nd Wednesday of October; one additional withdrawal available each year. If more than the yearly transfer and the one additional withdrawal is needed within the same year, the Holiday Club will be closed for a full calendar year before it will be eligible for re-opening.

3Minors require and adult/guardian joint on accounts. Minors need not be present, but we encourage their participation. Savings accounts are available for newborns as early as their Social Security Number is issued. Checking accounts are available for ages 15-18 and include a FREE lower-limits Debit Card and Apps. Joint(s) with their own Membership(s) can oversee the Youth’s Account activity from within their Online Banking. Available Upon Request: extra-low Debit Card limits, dual signatures for withdrawals.


All savings and checking rates are variable and may change after the account is opened. Fees may reduce earnings on the account. For certificates and IRAs a penalty will be imposed for early withdrawal. All rates effective as of 10/01/2019 and are subject to change without notice.

Main Office
2502 Maple Grove Rd.
Duluth, MN 55811

Phone
(218) 722-5931

Fax
218-740-3080

 Map

Essentia Office
407 E. 3rd St.
Duluth, MN 55805

Phone
(218) 740-2244

Fax
218-786-7229

 Map

West Duluth Office
4918 Grand Ave.
Duluth, MN 55807

Phone
(218) 740-2222

Fax
218-740-2255

 Map

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