Rainy Day Savings™

The more you save, the more you earn.

Now get up to 2.50% APY* with Rainy Day Savings.


Initial Deposits

Deposit up to $50,000 to jump start your savings.

Monthly Deposits

Deposit at least $25/month thereafter (no maximum).


Make up to 4 withdrawals each year without penalty.*


2.00% APY

 on balances up to $25,000

2.50% APY

 on balances above $25,000 and up to $50,000

 0.01% APY

on portion of balance $50,000+

Calculate Your Savings

See how much you could earn

Initial Deposit: $
Save at least $25/month:
= $

Actual savings will vary, based on initial deposit amount, and monthly savings.

banking on the go

Simplify Your Savings

With automated monthly deposits in Digital Banking, a portion of your funds can go straight into your Rainy Day Savings™ account.

Set it, forget it, and let your savings grow!

Frequently Asked Questions

  • How do members earn the highest rate of return on with a Rainy Day Savings™ account?

    To qualify for the highest interest rate, a monthly deposit must be made of at least $25 (no maximum). 

  • Are there limits to the number of withdrawals from a Rainy Day Savings account?

    Yes, there is a maximum of 4 withdrawals per calendar year. The Rainy Day Savings account is designed to help you build a financial safety net quickly, and still allow easy access to funds. There is a $25.00 excessive withdrawal penalty for any withdrawals in excess of the 4 withdrawals per calendar year.

  • Is there a total maximum deposit amount for Rainy Day Savings accounts?

    The account can be opened with an initial deposit of up to $50,000 during the first calendar month only. Thereafter, deposit amounts are unlimited.

  • Is there a total minimum deposit amount for Rainy Day Savings accounts?

    Yes, a minimum monthly deposit of $25 must be made in order to continue earning the current interest rate.

  • How many Rainy Day Savings accounts can a member have?

    Per our Deposit Disclosures, Rainy Day Savings accounts are limited to one per individual.

  • What is the current rate for Rainy Day Savings accounts?

    For updated rates, please refer to our Rates page.

  • Can Business accounts have a Rainy Day Savings account?

    No, Business accounts are not eligible for Rainy Day Savings accounts.

  • Disclosure


    Rainy Day Savings

    *Rainy Day Savings is a tiered, dividend-bearing account based on qualifying activity and balance. To qualify for the stated annual percentage yield (APY), a deposit must be made monthly of at least $25.00.  The specified Dividend Rate for each tier will apply only to the portion of the account balance that is within that tier. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier. During the first calendar month the account is opened only, a member may deposit up to $50,000.00. Deposits exceeding the first month maximum deposit will be transferred to the member’s Regular Savings account. Balances above $25,000.00 and up to $50,000 will earn a different rate as posted. Balances above $50,000 will earn a different rate as posted. For months in which the minimum deposit requirement is not fulfilled, the Regular savings rate will be paid. Rates are subject to change without notice. An allowance of four withdrawals are permitted each calendar year, any additional withdrawals will result in a $25 excessive withdrawal fee which may reduce earnings. Rainy Day Savings is available as a personal account only and limited to one account per member.

Open an Account:

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Use the Apply Now button below to get started.

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