Personal > Checking & Savings > Savings

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Savings Accounts

Save today for tomorrow’s dreams.

It’s Less About Numbers And More About Peace Of Mind

A RadiFi Savings Account is the foundation of your future financial success.

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DIGITAL BANKING & BILLPAY

Gain full control over your money.

Go online and pay bills, check balances, transfer money, and much more for free.

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MOBILE BANKING

Money is mobile and so are you.

Take full advantage of our app and enjoy full integration with services like Apple Pay and Mobile Wallet for Android and Samsung devices. All for free.

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NO CHARGE FOR TRANSACTIONS

We’re here for you.

That’s why we we won’t charge you for transactions completed in a branch, through our Contact Center, or CO-OP Shared Branches.

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SURCHARGE FREE ATMS NATIONWIDE

Convenient access. Everywhere.

A nationwide network of over 30,000 surcharge-free ATMs ensures access to cash whenever you need it.

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5,000 SHARED BRANCHING LOCATIONS

Full service isn’t limited to your hometown.

Complete a wide variety of transactions, including deposits, withdrawals, transfers, and loan payments at any of the 5,000+ Shared Branching locations.

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DIRECT DEPOSIT

Skip the trip and the paperwork.

Direct Deposit allows paychecks to be deposited electronically into your account.

Your Savings Accounts Options At A Glance

A penny saved is a penny earned. Start today.

  • BEST IF YOU WANT TO:

    BEST IF YOU WANT TO:

  • OPENING BALANCE

    OPENING BALANCE

  • MINIMUM BALANCE TO EARN DIVIDENDS

    MINIMUM BALANCE TO EARN DIVIDENDS

  • FEES

    FEES

  • DEBIT CARD AVAILABLE WITH CHECKING ACCOUNT

    DEBIT CARD AVAILABLE WITH CHECKING ACCOUNT

  • FREE MONTHLY STATEMENTS

    FREE MONTHLY STATEMENTS

SAVINGS

  • BEST IF YOU WANT TO:

    Establish membership

  • OPENING BALANCE

    $10.00

  • MINIMUM BALANCE TO EARN DIVIDENDS

    $100.00

  • FEES

    $5.00 monthly fee (waived with $100.00 min balance or other conditions1)

  • DEBIT CARD AVAILABLE WITH CHECKING ACCOUNT

    YES

  • FREE MONTHLY STATEMENTS

    YES, ESTATEMENTS OR MAILED

YOU-NAME-IT SAVINGS

  • BEST IF YOU WANT TO:

    Save for someone or something

  • OPENING BALANCE

    $0

  • MINIMUM BALANCE TO EARN DIVIDENDS

    $100.00

  • FEES

    $0

  • DEBIT CARD AVAILABLE WITH CHECKING ACCOUNT

    YES

  • FREE MONTHLY STATEMENTS

    YES, ESTATEMENTS OR MAILED

HOLIDAY SAVINGS

  • BEST IF YOU WANT TO:

    Save for holiday expenses

  • OPENING BALANCE

    $0

  • MINIMUM BALANCE TO EARN DIVIDENDS

    $100.00

  • FEES

    $10 fee for early withdrawals

  • DEBIT CARD AVAILABLE WITH CHECKING ACCOUNT

    YES

  • FREE MONTHLY STATEMENTS

    YES, ESTATEMENTS OR MAILED

  • BEST IF YOU WANT TO:

    Start a child’s savings habit

  • OPENING BALANCE

    $5.00

  • MINIMUM BALANCE TO EARN DIVIDENDS

    $5.00

  • FEES

    $0

  • DEBIT CARD AVAILABLE WITH CHECKING ACCOUNT

  • FREE MONTHLY STATEMENTS

Savings Accounts Rates

Savings Accounts

Account

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APYs stated are effective as of 2/2/2024 and subject to change at any time without notice.

Account

Regular Savings

Minimum balance to earn dividends

$100

Dividend Rate

0.099%

Annual Percentage Yield*

0.100%

Account

Youth Savings

Minimum balance to earn dividends

$5

Dividend Rate

0.0995%

Annual Percentage Yield*

1.00%

Account

Holiday Savings

Minimum balance to earn dividends

$100

Dividend Rate

0.099%

Annual Percentage Yield*

0.100%

Account

You-Name-It (Secondary) Savings

Minimum balance to earn dividends

$100

Dividend Rate

0.099%

Annual Percentage Yield*

0.100%

OUR MEMBERS EMPOWER US

We’re dedicated to empowering you, which fuels everything we do.

Very friendly personalized attention. I opened a small account and was treated as though I actually had real money. Great folks that seemed to know the regular customers by name as well as welcoming to new folks as part of the family.

— Don G., Member

RadiFi Resources

Explore our blog for the latest credit union news, practical advice, and financial tips.

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Opening a savings account establishes your membership and a better relationship with your money.

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Disclosures

1This fee is also waived if you have any other accounts with RadiFi, or if the primary account holder is under 18 or over 50.

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