Your money
should be
working as hard
as you do. Your money should be working as hard as you do.

Each of our savings accounts is built with you in mind. The right fit depends on what you’re saving for, how much you’re starting with, and how often you’ll need access to your money. Compare your options above to find what works for you—with our Live Up Savings account coming this November, you’ll soon have another way to grow your savings. Need a hand choosing? We’re here to help.

There’s no minimum balance required to avoid monthly fees on our savings accounts - we don’t charge monthly maintenance fees. For High Yield Savings, a minimum balance of $5 is required to earn the advertised APY. Live Up Savings will be available this November.

Your deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA). On top of that, accounts are additionally insured by the Massachusetts Share Insurance Corporation (MSIC) for balances that exceed the NCUA limit. In other words, your money is very well looked after.

Absolutely. Digital banking comes with every account. You can check balances, transfer funds, and manage your savings from your phone, no branch visit required. Mobile banking is offered without a fee from us, though your carrier's message and data rates may apply.

The right choice depends on when you'll need access to your money. A savings account is best if you want easy access to your funds while earning dividends. You can make deposits and withdrawals as needed, making it a good option for emergency savings, short-term goals, and everyday financial flexibility.
A share certificate is designed for money you won't need right away. You agree to leave your funds on deposit for a fixed term - ranging from a few months to several years - in exchange for a higher dividend rate. Because your money is locked in for the term, early withdrawals may be subject to a penalty. If flexibility is your priority, a savings account may be the better fit. If you're looking to earn a higher return on funds you can set aside for a while, a share certificate may help you maximize your earnings with minimal risk.

No. You can open any of our savings accounts independently with no spending/checking account required. That said, a lot of our members find it easier to manage everything in one place once they're with us. Enjoy extra perks when you bundle a savings and spending/checking account.

It means your money earns money, and then that earned money earns money too. Each month, your earned dividends are added to your balance, and next month you earn dividends on that larger balance. Over time, this compounds in your favor. It's one of those concepts that sounds complicated until you see it happening in your account, and then you wonder why you didn't start earlier.

The Live Up Savings Account will launch on November 1, 2026