Savings that do the heavy lifting for you!
You work hard and your money should too. That’s why we’ve put together our High-Yield Suite to help grow your savings faster, keep your funds flexible, and reward you.
Pick the high-yield account that best matches your needs.
Boost High-Yield Savings
Get ready for supercharged savings growth with generous dividends. With Boost, there are no hoops to jump through or balance caps to hold your earning potential back.
- Earn 3.00% APY*¹ when you deposit $4,000 monthly into your Everwise checking account.
- No balance caps mean unlimited earning potential so your savings will keep growing.
- No monthly fees or balance requirements, so you keep what's yours.
Ultra Money Market
Looking for competitive earnings and flexibilty on higher balances? Ultra was made for you.
- Earn up to 3.64% APY*² by keeping $100,000+ in combined balances with Everwise and $50,000+ in your Ultra Money Market.
- Access your money whenever you need without penalties or limits, and no restrictions on withdrawals.
- Keep everything you earn. There are no monthly fees.
If you’re ready to take your savings to the next level, please visit your nearest branch to open Ultra Money Market.
High-Yield Ultimate Checking
Earn high dividends and cashback rewards with this upgraded checking account.
- You can earn 3.00% APY*³ on balances up to $10,000.
- Earn 0.5%* cash back with your Platinum Debit Mastercard® for every non-PIN purchase.
- Waive account fees by using your debit card regularly and enrolling in eStatements.
- Additional perks include loan rate discounts and waived ATM fees.
Certificates
Want guaranteed earnings with less commitment? Share Certificates are a smart choice. Enjoy rates up to 4.75% APY*4 on a 20-month term.
- Other rate and terms options available.
- Low $500 minimum balance required to earn APY.
- Funds are insured up to $250,000 by NCUA.
- Take advantage of tax benefits with our IRA Certificates.
Select your high-yield product today and start growing your money faster!
We want to answer your questions.
FAQs
* APY = Annual Percentage Yield. Subject to membership requirements. All credit union programs, rates, terms and conditions are subject to change without notice.
¹ APY accurate as of the last dividend declaration date. Boost Dividend Qualifications: Dividends will be paid monthly on your Boost Savings account balance if you have direct deposits totaling at least $4,000 going into a consumer checking account (excluding HSAs) under the same Everwise membership as the Boost Savings during the prior dividend period. Dividends will be paid automatically for the first two (2) dividend periods starting from the account opening date. After the first two initial dividend periods, dividends will be paid based upon meeting the Boost Dividend Qualifications. If you do not meet the Boost Dividend Qualifications no dividends (0.00%) will be paid.
² Dividend qualifications: You must have at least $100,000 in combined funds (shares, loans, investments) on the last day of the prior dividend period to be eligible for the current dividend period. If the balance falls below $50,000, no dividends will be paid. Ultra Money Market rate is calculated by using the Federal Reserve Bank’s Federal Funds Rate posted on the last business day of the prior dividend period, less 75 basis points. The minimum rate is 0.00% APY, and the maximum rate is 7.00% APY. Account must be opened in-person at an Everwise branch location.
³ 3.00% APY on balances up to $10,000 as of the last dividend declaration. A monthly account fee of $10 will be charged. This fee is waived if during the statement cycle you are enrolled in eStatements and complete at least 15 Everwise debit card non-ATM transactions each equaling $5 or more on this account between the 21st day of the prior statement month and the 20th day of the current statement month. If the requirements to avoid the monthly account fee are not met no dividends will be paid. A $100 Mortgage origination fee discount is available, as is a 0.25% loan discount is available on direct, closed-end, consumer loans only (excludes loans signed at a dealership, real estate secured, lines of credit including credit cards, credit builder, student loan and commercial loans). Members receive free use of Alliance One and CO-OP ATMs within Indiana. A $2.50 foreign transaction fee applies to Alliance One and CO-OP outside of Indiana. One foreign ATM fee of $2.50 waived each month.
4 APY accurate as of 1/3/25. Limited time only and subject to termination without notice. Minimum balance required to earn APY is $500. Dividends for standard Share Certificates are compounded monthly and dividends for IRA Share Certificates are compounded quarterly. Dividends must remain in account for the entire term to earn APY. Certificates are subject to early withdrawal penalty, which may reduce earnings. Not available on HSA certificates. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice. All Certificates funded via Electronic Transfer (ACH), or with a Debit or Credit Card, will have a 5 (five) business day hold.