Open a savings account – Always be prepared (those scouts know what’s up).

If you’re even thinking about saving your money, it’s a pretty clear sign you’ve got things together. We have a number of different ways you can save from a classic savings account and a Health Savings Account (HSA) to certificates and money market accounts.

2.20% APY on a 14-month certificate? Yes, please.

Whether you're looking to get in on our incredible 2.20% APY offer or interested in locking your money down for a different term, our certificates offer flexibility to choose what works best for you. No matter which term you land on, future you will look back and be proud of your saving skills.

  • Guaranteed rate of return
  • $1,000 minimum opening deposit
  • Terms from 6 to 60 months
  • Competitive dividend rates paid on the last business day of the month
  • No minimum age (as long as account holder has a Social Security number)
  • No service charges (except for early withdrawals)
  • 24/7 online access to your accounts

open a certificate

Personal savings & money market accounts – Showing you the money (and dividends). No need to yell.

Personal savings and money market accounts are great options for when you want convenient ways to access your cash, high-earning dividends, and flexibility to bank how you want to. So, really just great options all the time for everyone. Who wouldn’t want all this:

  • No required opening minimum balance
  • No service fees (for money market accounts just maintain a balance of $2,500 or more)
  • Competitive dividends
  • Unlimited deposits
  • Automatic deposits via direct deposit, automatic transfers and wire transfers  
  • Six free monthly withdrawals of at least $500 each
  • 24/7 online access to your accounts  

open an account

Health Savings Accounts – Take two aspirin and don’t worry about calling your tax guy in the morning.

The Health Savings Account (HSA) is a special, tax-advantaged savings account that can be used to pay medical expenses. You can have an HSA just for yourself or for your family. You use it to pay for current health care expenses and save for future qualifying medical and retiree health care expenses. This tax-free wonder account is available for you if you’re:

  • 18 years old or older
  • An Andigo member with a minimum $5 balance in your personal savings account 
  • Enrolled in a high deductible health plan (HDHP) and aren’t covered by another general coverage medical plan or Medicare

If you’ve got all that covered, use your shiny new HSA to enjoy:

  • No minimum deposit or balance required to earn dividends
  • Competitive monthly dividends 
  • No account fees
  • Balances roll over from year to year
  • Easy access with a Visa Debit Card(s) and the option to include free checks
  • Choice of savings plans
  • HSA certificates that get the same rate as our regular certificates (excludes promotional rates)
  • Investing your HSA funds into a variety of no-load or load-waived mutual funds via our brokerage HSA through a partnership with DEVENIR, a national leader in investment options for health benefit plans

open an HSA account

Coverdell Education Savings Accounts – She may not be walking yet, but she sure looks like a college grad to us.

A Coverdell Education Savings Account is a tax-advantaged account that helps you save for your kids’ education expenses. You provide the savings consistently year after year, so when Trevor is ready to pledge Alpha Kappa Whatnow and Katie discovers she didn’t receive that speed-chess scholarship after all -- you’re ready. You just need to:

  • Meet the income qualifications: adjusted gross income must be below $110,000 for single or $220,000 for married filing jointly
  • Contribute no more than $2,000 annually per individual beneficiary
  • Use benefits for elementary, secondary or even higher education expenses at an eligible education institution
  • Enjoy tax-free distributions when you use them for qualified education expenses such as tuition, books, fees, etc. (Consult your tax advisor for details.)
  • Designate a beneficiary who is under age 18 or is special needs 
  • Distribute the balance of the account before the beneficiary reaches age 30 or roll over to another Coverdell account for another family member

Here’s how you can save with a Coverdell Education Savings Account:

  • An IRA market account offers you the option of adding contributions anytime you want (made even simpler with automatic transfers from your checking account)
  • An IRA certificate lets you make a lump sum deposit of $1,000 or more to open your account and lock in the rate for a specified term
  • Andigo Wealth Management Advisors offer mutual funds plus other investment options if you’re looking for a potentially higher rate of return


Certificate rates

Rest assured, you’re government insured. (That’s a good thing.)

Account TypeRateAPYCompound FrequencyMinimum to Earn APYBank Average APY
6 months0.56%


12 months0.89%


14 months^2.18%


18 months1.23%


30 months1.29%


60 months2.00%


Super Jumbo 6 months0.57%


Super Jumbo 12 months0.90%


Super Jumbo 18 months1.24%


Super Jumbo 30 months1.30%


Super Jumbo 60 months2.01%



Savings, HSA & IRA interest rates

Babies, retirement, new homes? Oh, yes.

Account TypenewRateAPYCompound FrequencyMinimum To Earn APYBank Average APY


monthlyNo minimum0.07%
Money Market



IRA Market





Health Savings Account





APY Annual Percentage Yield (the yield you earn on a deposit over a year).

* No bank averages are shown for these products/tiers because this offering is not commonly available at other financial institutions. Bank average APYs provided by Datatrac, an unbiased research firm that monitors rates from over 20,000 financial institutions nationwide.

Savings insured up to $250,000, and Individual Retirement Accounts are separately insured to $250,000, by the National Credit Union Administration, a U.S. government agency. An additional $250,000 of coverage is provided by Excess Share Insurance. Federal regulations prohibit the payment of dividends in excess of available earnings. All dividends are calculated using the actual daily balance method, compounded monthly and paid monthly. Any deposits or withdrawals will affect the actual APY earned. Fees may reduce earnings. These are variable rate accounts; rates are subject to change without notice.

Savings account dividend rates are based on the credit union’s earnings at the end of the dividend period, and thus cannot be declared in advance.

On all Andigo money market accounts, you are permitted to make up to six preauthorized, automatic, telephonic, audio response or Internet transfers to another of your accounts, or to the account of any other person or organization, during the calendar month. If you exceed these limitations, your account may be subject to a fee or be closed. In addition, a $10.00 fee may be assessed for each withdrawal in excess of six per calendar month, regardless of type. These withdrawals include preauthorized, automatic, telephonic, audio response, Internet transfers, transfers from your account to pay a loan with us, withdrawals by check made directly to you, in person withdrawals, withdrawals by mail or withdrawals made by ATM. Monthly minimum balance fee of $10 is assessed on account balances less than $2,500. Fees may reduce earnings. These are variable rate accounts; rates are subject to change without notice.