Reverse Tier Savings

Earn 6.50% APY^¹on your first $2,000 and give your savings a strong start.

Reverse Tier Savings

A Savings Account Built For Getting Started

You shouldn't need a large balance to earn a great rate.

With a Reverse Tier Savings Account, your first dollars saved earn the highest rate. That means the money you’re just getting started with works harder right away.

Earn 6.50% APY ¹ on your first $2,000, helping you build momentum toward your financial goals.

Whether you’re starting an emergency fund, saving for a big purchase, or simply building better habits, this account is designed to help your savings grow from day one.

Earn More on Your First Dollars Saved

Unlike traditional savings accounts that reward larger balances, this account gives your first savings the biggest boost:

Earn 6.50% APY ¹ on your first $2,000
No minimum balance required
No monthly service fees

It’s a simple way to make your early savings work harder.

Start Saving

Table data for Reverse Tier Savings Account
Balance	APY*	Alert Me
$0.00 - $2,000.00	6.50%	Receive a notification when this rate changes

$2,000.01 - $5,000.00	1.25%	Receive a notification when this rate changes

$5,000.01 - $10,000.00	0.25%	Receive a notification when this rate changes

$10,000.01 - $50,000.00	0.15%	Receive a notification when this rate changes

$50,000.01+	0.05%	Receive a notification when this rate changes

Disclosures

¹ Annual Percentage Yield (APY) effective 04/01/2026. Accurate as of the last dividend declaration date.

Limit of one Reverse Tier Savings Account per member. Interest is paid at tier rates on the balances within each tier. Total interest paid is the sum of interest earned from each balance in each tier. APY paid is a blended APY of applicable tiers.

Rates subject to change. Fees may reduce earnings. Restrictions and requirements apply.