All the ways to save: savings accounts, money market accounts, health savings accounts, certificates and more.

If you’re thinking about saving your money, you’re already on the right track. 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.

Open a savings account — for launching forward and falling back on.

Open an Andigo savings account to grow your savings over time, save for your long-term goals, or to set up direct transfers from your checking account. There are a million reasons to start saving today (and not a lot of reasons not to).

  • Competitive dividends (earn more on your savings than you’ll get from banks)
  • No required opening minimum balance
  • No service fees
  • Unlimited deposits
  • Automatic deposits via direct deposit, automatic transfers and wire transfers
  • 24/7 online access to your accounts

Still have questions about our savings accounts? Check out our FAQ.

See our personal savings account interest rates.

open an account

Flexibility and great rates? Yes, please!

Our certificates offer great rates and 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 (you choose)
  • 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

A $1,000 minimum opening deposit is required for Andigo certificates.

Still have questions about our certificates? Check out our FAQ.

See our certificate interest rates.

Open a certificate online today!

open a certificate

Money market account — Showing you the money (and dividends). No need to yell.

Money market accounts are great options 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

See our money market account interest rates

open an account

Health Savings Accounts (HSA) – 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.

Still have questions about our HSAs? Check out our FAQ.

See our HSA interest rates.

open an HSA account

Coverdell Education Savings Account — She may not be walking yet, but she’ll be a college grad in no time.

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.

Still have questions about Coverdell Education Savings Accounts? Check out our FAQ.

See Coverdell Education Savings Account interest rates.

Savings rates

Certificate rates

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

Account TypeRateAPYCompound FrequencyMinimum to Earn APYBank Average APY
6 months1.49%


12 months1.74%


18 months1.98%


30 months2.06%


60 months2.76%


Super Jumbo 6 months1.59%


Super Jumbo 12 months1.83%


Super Jumbo 18 months2.08%


Super Jumbo 30 months2.16%


Super Jumbo 60 months2.86%



Savings, Money Market & HSA interest rates

Babies, retirement, new homes? Oh, yes.

Account TypeRateAPYCompound FrequencyMinimum To Earn APYBank Average APY
Savings account0.10%


monthlyNo minimum0.09%
Money Market



IRA Market





Health Savings Account





* 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 S&P Global, an unbiased research firm that monitors rates from over 5,400 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.

Frequently asked questions

How do I open a savings account?

The easiest way is probably to open an account online, but you can also just give us a call at 847.576.5199 or toll-free 877.270.6392. Either way, you'll be good to go in no time!

What types of savings accounts does Andigo offer?

We have a bunch, since our members are saving for different reasons. Whether you're looking for a personal savings, health savings, business savings, or money market account, all our services come with competitive rates and opens the door to a lifetime of Andigo benefits. Go check out more savings specifics.

How much money do I need to open a savings account?

Just five bucks. Literally $5.00!! That's less than that burrito you're craving for lunch. That $5 will open an Andigo savings account, which establishes and maintains your Andigo membership.

How do I withdraw money from my savings account?

Four ways:

  1. Visit an ATM near you and use your check card to make a withdrawal
  2. Log in to your Andigo account and request a bank check by sending us a secure message
  3. Call us at 847.576.5199 or toll-free 877.270.6392 to request that we mail you a bank check
  4. Visit us at an Andigo branch or a shared branch location and make a withdrawal in person

How do CDs/share certificates work?

Great question! So, when you purchase a CD/share certificate, you invest a set sum of money for a fixed period of time (we call this a "term"). Terms can be six months, one year, 18 months, or more.

In exchange for your pinky promise (well, your signature. Can't run a business on pinky promises.) we pay you interest at regular intervals or at the end of the certificate’s term (we call this "maturity" or "coming due"). At maturity, when you cash in or redeem your certificate, you receive the money you originally invested plus any accrued interest.

Sound too good to be true? Well, here's the catch. You have to wait until the end of the term or if you redeem your certificate before it matures, you may have to pay an early withdrawal penalty or forfeit a portion of the interest you earned.

Good things come to those who wait, after all.

What happens to my certificate when it matures?

Not a test to see who can make it through an Amy Schumer standup show without giggle, a certificate maturity notice lets you know that your CD has reached the length of time for interest to accrue and has come due.

The certificate will be mailed to you approximately 2 weeks before the maturity date.

Just a heads up: certificates will automatically renew on the maturity date at the prevailing rate and for the same term unless you instruct us otherwise phone 847.576.5199 or toll-free 877.270.6392, sending a secure message online or in writing.

Let us know within 10 calendar days from the maturity date to avoid being charged an early withdrawal penalty.

How much money can I invest in your CDs/share certificates?

There's a pretty wide spread from the minimum deposit of $1,000 to $250,000+, which will get you super-jumbo certificates. We didn't make that name up. They're really called super-jumbo. Read all about Andigo's certificates.

What are the benefits of an HSA?

  • 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 and the option to include free checks
  • Choice of savings plans
  • HSA certificates 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

How can I qualify for an HSA?

  • Must be 18 years or older
  • Be an Andigo member with a minimum $5 balance in your personal savings account
  • Be enrolled in a high deductible health plan (HDHP) and not covered by another general coverage medical plan or Medicare

What are the contribution limits for an HSA?

  • All you fine HSA holders can save up to $3,450 for an individual and $6,900 for a family.
  • If you're an HSA holder who is 55 years old or older, you'll get to save an extra $1,000, which means $4,450 for an individual and $7,900 for a family.

These contributions are 100% tax deductible from gross income. Rad, right? The minimum annual deductibles are $1,350 for individual coverage or $2,700 for family coverage.

Keep in mind, annual out-of-pocket expenses (deductibles, co-payments, but not premiums) cannot exceed $6,650 for individual coverage and $13,300 for family coverage.

How do I use my HSA Visa debit card?

You can use your card as a debit card with your PIN, you can sign for your qualified medical expenses like a credit card, and the card will work at ATM machines. You can make balance inquiries and deposits to your account like any other savings account — just remember, per IRS guidelines, this account can only be used for qualified medical expenses. Maybe those sweet new sneaks can be signed off by a doctor?

How many HSAs can I have?

All the HSAs! Seriously, you can have as many as you'd like, as long as the annual contribution limit in all your accounts doesn’t exceed the annual contribution limits the IRS sets. So you can have an HSA with your employer's financial institution and your health plan's, and you can open an Andigo HSA. Go nuts, kid.

How do I qualify for a Coverdell Education Savings Account?

  • 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 educational 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

How can I save with a Coverdell Education Savings Account?

Coverdell Accounts are available as both money market accounts or certificates — which means flexibility to choose what works best for you.

  • An IRA money 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. Set up an appointment with Wealth Management today.

Have more questions about our savings options or the online application? Fill out our form and we will be in touch with you shortly!