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Your Savings Deserve a Better Home

Open a Class Act savings account for just $5 and you'll own your personal share of the credit union. Our Savings Account provides a reliable and rewarding way to save money and help you meet your financial goals. Does your checking account need a quick boost? Transfer funds to your Class Act checking instantly, 24/7, through our online banking. We also offer several savings accounts to help keep your savings goals separate and organized.  

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Christmas / Summer Savings

These savings accounts aren’t just for your travel fund or the holidays. They can be for whatever you want, and you can open as many as you need. Use our app to rename your savings, set up recurring transfers, and even hide them so you don’t feel tempted until it’s time! Rest assured that your money is growing, and the funds are always available for withdrawal, without a fee.

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Money Market

Our money market is NOT tied to the stock market. Instead, you earn a tiered interest that earns more with a higher balance (better than a regular savings) but unlike a Share Certificate, you have access to your funds. Minimum balance: $2,500

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Money Market Rates

Balance Dividend Rate Annual Percentage Yield
$2,500 - $9,999.99 1.00% 1.00%
$10,000 - $24,999.99 1.10% 1.10%
$25,000 - $49,999.99 1.20% 1.20%
$50,000 - $99,999.99 1.30% 1.30%
$100,000.00 - $249,999 1.40% 1.40%
$250,000+ 1.50% 1.50%
Balance
Dividend Rate
1.00%
Annual Percentage Yield
1.00%
Dividend Rate
1.10%
Annual Percentage Yield
1.10%
Dividend Rate
1.20%
Annual Percentage Yield
1.20%
Dividend Rate
1.30%
Annual Percentage Yield
1.30%
Dividend Rate
1.40%
Annual Percentage Yield
1.40%
Dividend Rate
1.50%
Annual Percentage Yield
1.50%
woman with cute puppy who just got a class act share certificate

Share Certificates

Looking for a risk-free way grow your money while saving? A share certificate may be the option for you. Start out with a deposit and pick a term to reflect your financial goals—anywhere from 91 days to 48 months. We also offer a 60-month Bump-Up certificate that allows members a one-time option to "bump-up" their original interest rate if our rate improves within the 5-year term. When your share certificate reaches maturity, you can choose to cash out and revel at the dividends you've accrued or to reinvest. 

Share Certificate Rates

Description Term Minimum Dividend Rate Annual Percentage Yield
Share Certificate 91 Day $500 1.98% 2.00%
Share Certificate 6 Month $500 2.47% 2.50%
Promotional Share Certificate 9 Month $1000 5.03% 5.15%
Share Certificate 12 Month $1,000 3.16% 3.20%
Share Certificate 18 Month $1,000 4.41% 4.50%
Share Certificate 24 Month $1,000 3.20% 3.25%
Share Certificate 30 Month $1,000 3.20% 3.25%
Share Certificate 36 Month $1,000 3.25% 3.30%
Share Certificate 48 Month $1,000 3.35% 3.40%
Bump Up Share Certificate 60 Month $5,000 3.45% 3.50%
Description
Term
91 Day
Minimum
$500
Dividend Rate
1.98%
Annual Percentage Yield
2.00%
Term
6 Month
Minimum
$500
Dividend Rate
2.47%
Annual Percentage Yield
2.50%
Term
9 Month
Minimum
$1000
Dividend Rate
5.03%
Annual Percentage Yield
5.15%
Term
12 Month
Minimum
$1,000
Dividend Rate
3.16%
Annual Percentage Yield
3.20%
Term
18 Month
Minimum
$1,000
Dividend Rate
4.41%
Annual Percentage Yield
4.50%
Term
24 Month
Minimum
$1,000
Dividend Rate
3.20%
Annual Percentage Yield
3.25%
Term
30 Month
Minimum
$1,000
Dividend Rate
3.20%
Annual Percentage Yield
3.25%
Term
36 Month
Minimum
$1,000
Dividend Rate
3.25%
Annual Percentage Yield
3.30%
Term
48 Month
Minimum
$1,000
Dividend Rate
3.35%
Annual Percentage Yield
3.40%
Term
60 Month
Minimum
$5,000
Dividend Rate
3.45%
Annual Percentage Yield
3.50%
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IRAs

Individual Retirement Accounts (IRAs) allow you to achieve that retirement dream. By making regular contributions to this account, paired with a great rate of return, your future is safe with us. It's never too early to start saving for retirement. 

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IRA Certificate Rates

Description Term Minimum Dividend Rate Annual Percentage Yield
IRA Certificate 6 month $1,000 2.47% 2.50%
IRA Certificate 12 Month $1,000 2.96% 3.00%
IRA Certificate 18 Month $1,000 4.41% 4.50%
IRA Certificate 24 Month $1,000 3.06% 3.10%
IRA Certificate 30 Month $1,000 2.96% 3.00%
IRA Certificate 36 Month $1,000 3.25% 3.30%
IRA Certificate 48 Month $1,000 3.35% 3.40%
Description
Term
6 month
Minimum
$1,000
Dividend Rate
2.47%
Annual Percentage Yield
2.50%
Term
12 Month
Minimum
$1,000
Dividend Rate
2.96%
Annual Percentage Yield
3.00%
Term
18 Month
Minimum
$1,000
Dividend Rate
4.41%
Annual Percentage Yield
4.50%
Term
24 Month
Minimum
$1,000
Dividend Rate
3.06%
Annual Percentage Yield
3.10%
Term
30 Month
Minimum
$1,000
Dividend Rate
2.96%
Annual Percentage Yield
3.00%
Term
36 Month
Minimum
$1,000
Dividend Rate
3.25%
Annual Percentage Yield
3.30%
Term
48 Month
Minimum
$1,000
Dividend Rate
3.35%
Annual Percentage Yield
3.40%

From Our Members

"I appreciate the great personal assistance that the Class Act associates give to me. I am glad to be a member of the Class Act Credit Union."

-Dorothy

Frequently Asked Questions

Savings Rates

Compare Savings Accounts Regular Savings Christmas Savings Special Savings Summer Savings Money Market
Opening Balance Requirement $5.00 $5.00 $5.00 $5.00 $2,500
Minimum Balance $5.00 $5.00 $5.00 $5.00 $2,500
Monthly Service Fee $0.00 $0.00 $0.00 $0.00 $0.00
Unlimited Transactions
Payroll Deductions Available
Dividend Bearing
Compare Savings Accounts
Regular Savings
$5.00
Christmas Savings
$5.00
Special Savings
$5.00
Summer Savings
$5.00
Money Market
$2,500
Regular Savings
$5.00
Christmas Savings
$5.00
Special Savings
$5.00
Summer Savings
$5.00
Money Market
$2,500
Regular Savings
$0.00
Christmas Savings
$0.00
Special Savings
$0.00
Summer Savings
$0.00
Money Market
$0.00
Regular Savings
Christmas Savings
Special Savings
Summer Savings
Money Market
Regular Savings
Christmas Savings
Special Savings
Summer Savings
Money Market
Regular Savings
Christmas Savings
Special Savings
Summer Savings
Money Market

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