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Earn Up to 5.75% APY* on Your First $2,000

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Grow Your Savings Faster Without Locking Away Your Money

With our Reverse Tier Savings Account, you’ll earn 5.75% APY* on your first $2,000, making your money work harder while staying accessible whenever you need it. It’s a simple, flexible way to build your savings faster, with no minimum balance, no monthly fees, and a stronger rate from your very first dollar.

1-Jul-05-2025-03-29-43-4942-PM
Up to 5.75% APY*
3-Jul-05-2025-03-29-43-5266-PM
No Minimum Balance
4-3
No Service Fees
2-Jul-05-2025-03-29-43-5398-PM
No Minimum to Open

Reverse Tier Savings Calculator

Your first dollars earn the most. See what your balance can do.

How Your Money Earns
Balance Range Amount APY**
$0 - $2,000 $2,000 5.75%
$2,000.01 - $5,000 $2,000 1.75%
$5,000.01 - $10,000 $0 0.30%
$10,000.01 - $50,000 $0 0.25%
$50,000.01+ $0 0.10%

**APY = Annual Percentage Yield. APY, terms, and conditions are accurate as of 01/21/2026 and are subject to change without notice. No minimum to open and no minimum balance required. 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.  Membership required. This calculator is for illustrative purposes only and does not guarantee actual earnings. Projected earnings assume no withdrawals are made during the year, monthly compounding, and rates that stay the same over time. 

Why Open a Reverse Tier Savings Account?

A Reverse Tier Savings account is designed to help your savings work harder from the start. Instead of rewarding larger balances with higher rates, Reverse Tier Savings gives you the highest rate on your first $2,000, so even smaller balances have the opportunity to earn more.

  • Earn higher interest on your first few thousand dollars saved
  • Ideal for building short-term savings or an emergency fund
  • Perfect for helping kids and grandkids build their first savings
  • Encourages consistent saving habits, even with smaller deposits
  • Get started saving without a big balance
  • No need to maintain a high balance to see real growth
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Reverse Tier Savings Deposit Rates

Minimum Opening/Account Balance Div. Rate APY*
$0-$2,000 5.60% 5.75%
$2,001-$5,000 1.74% 1.75%
$5,001-$10,000 0.30% 0.30%
$10,001-$50,000 0.25% 0.25%
$50,001+ 0.10% 0.10%

*APY = Annual Percentage Yield. APY, terms, and conditions are accurate as of 01/21/2026 and are subject to change without notice. No minimum to open and no minimum balance required. 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. Membership required.