Savings Rates

Sharing the advantages of saving for tomorrow

Regular Share - Average Daily Balance
$25.00 - $5,000.00$10.00.05%
$5,000.01 - $25,000.00$10.00.05%
$25,000.01 and Greater$10.00.10%
Youth Account1 (up to 18 Years of Age)$5.00.15%
Other Share2 - Average Daily Balance
$25.00 - $5,000.00NA.05%
$5,000.01 - $25,000.00NA.05%
$25,000.01 and GreaterNA.10%
Money Market3 - Average Daily Balance
$0.00 - $10,000.00$2,000.00.15%
$10,000.01 - $20,000.00$2,000.00.15%
$20,000.01 and Greater$2,000.00.20%
Other Savings
Holiday Club4NA.30%
Mortgage Escrow AccountNA.05%
Youth Checking1 (ages 15-18)NA0.00%
Business Checking5NA0.05%
Investment - Average Daily Balance
Traditional IRA**$100.00.20%
Roth IRA**$100.00.20%

Time Share
6 Month$500.00.35% / .35%
12 Month$500.001.00% / 1.00%
24 Month$500.001.05% / 1.05%
36 Month$500.001.10% / 1.10%
48 Month$500.001.20% / 1.21%
Traditional IRA**
6 Month IRA$500.00.35% / .35%
12 Month IRA$500.001.00% / 1.00%
24 Month IRA$500.001.05% / 1.05%
36 Month IRA$500.001.10% / 1.10%
48 Month IRA$500.001.20% / 1.21%
Roth IRA**
12 Month IRA$500.001.00% / 1.00%
24 Month IRA$500.001.05% / 1.05%
36 Month IRA$500.001.10% / 1.10%
48 Month IRA$500.001.20% / 1.21%
Educational Savings***
12 Month$25.001.00% / 1.00%
24 Month$25.001.05% / 1.05%
36 Month$25.001.10% / 1.10%
48 Month$25.001.20% / 1.21%

All Savings Account TypesMonthly
All CD TypesQuarterly on CD’s anniversary date

* APY = Annual Percentage Yield

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

*** Withdrawal and contribution limitations apply.

1 Minors require an adult joint on accounts. Membership eligibility required of either minor or joint. 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.

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

3 If the Money Market falls below the $2,000 minimum, the interest/dividend will be reduced to that of a Regular Share/Savings.

4 Holiday Club accounts allow for limited withdrawals: Funds automatically transfer into the Regular Shares/Savings on October 13th each year; if October 13th lands on a weekend or non-business day, the transfer will occur on the next business day. In addition to the automatic yearly transfer, one additional withdrawal between October to October is available. If more than the yearly transfer and the one additional withdrawal between October to October is needed, the Holiday Club will be closed for a full 12-months (from the time of closure) before it will be eligible for re-opening.

Fees apply to Business Checking Accounts.

Member eligibility required. All savings and checking rates are variable and may change after the account is opened. Fees may reduce earnings on the account. For CDs/Certificates of Deposit and IRAs a penalty will be imposed for early withdrawal. All rates effective as of 06/01/2024 and are subject to change without notice.

Main Office & Mailing Address
2502 Maple Grove Rd.
Duluth, MN 55811

(218) 722-5931


Hours &  Map

Essentia Office
Miller Dwan Building Lobby
502 E 2nd St. Bldg.C Ste.L8412
Duluth, MN 55805

(218) 740-2244

(218) 336-0112

Hours &  Map

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