Save Smart Savings
An account for members focused on growing their savings with a high-yield account while staying on track toward long-term goals.
High-Yield Savings
No Monthly Service Charge
No Minimum Balance
An Account Built For You
High-Yield savings that pays 3.50% APY1 on the first $100,000 and 0.10% APY on everything else over $100,000.
Incoming domestic and international wire fees are rebated.
Your deposits are insured by NCUA.
Requires a Spend Smart Checking Account.
$10 minimum opening deposit.
No monthly service charge and no minimum balance requirement.
Make Your Money Work Harder
Find out how much you need to save each month to meet your goals with our Savings Goal Calculator.
The results provided are estimates and do not include fees; they assume a consistent interest rate. This information is intended for informational purposes only. Outcomes may vary based on account balance, compounding frequency, and changes in rates. We do not take responsibility for the content, results, or accuracy of any information used to inform decisions based on these calculations.
Access Your Savings Anywhere
Tap into over 33,000 fee-free ATMs and partner branches nationwide.
View Locations
Tools to Help Serve You
Get real-time account alerts sent to your phone or email and have peace of mind. Message and data rates may apply.
Access free budgeting and money management tools, your key to achieving financial freedom.