Deposit Rates That Reward You
At Options Credit Union, we’re committed to helping you grow your money with competitive rates across a variety of deposit accounts. Whether you're saving for the short term or long haul, you’ll find rates designed to give you more value.
Shop Deposit Rates At Options Credit Union
All rates are accurate as of 11/20/2025, subject to change.
*APY Is the Annual Percentage Yield
Certificates (CD)
The Annual Percentage Yield (APY) is the total amount of the interest to be paid on the account based on rate and compounding.
Loyalty Members can receive a +0.10% rate boost on new certificates.
Premier Members can receive a +0.25% rate boost on new certificates.
Compounds monthly.
Mimiumim balance to open and earn is $500.
Early withdrawal penalties apply and fees may reduce earnings.
Ask us for further information about the terms and fees that apply to these accounts.
Federally insured by the NCUA.
Term | APY* | Penalty |
|---|---|---|
06 Months | 3.20% | 90 days interest |
12 Months | 3.00% | 90 days interest |
18 Months | 2.90% | 180 days interest |
24 Months | 2.92% | 180 days interest |
36 Months | 3.35% | 180 days interest |
48 Months | 3.35% | 180 days interest |
60 Months | 3.43% | 180 days interest |
High-Yield Options Account
The Annual Percentage Yield (APY) is the total amount of the interest to be paid on the account based on rate and compounding.
Variable rate account, with a minimum balance of $5,000 required to open and earn. If the account falls below the minimum balance requirement the APY will be 0%.
Compounds monthly.
Fees may reduce earnings. Options accounts will be imposed a fee if more than one (1) withdrawal or transfer occurs per month. Please refer to the fee schedule for fees associated with this account.
This account is limit to a maximum account balance of $250,000.
Ask us for further information about the terms and fees that apply to these accounts.
Federally insured by the NCUA.
Tier | APY* | Interest Rate |
|---|---|---|
$100,000-$250,000 | 2.70% | 2.67% |
$45,000-$99,999.99 | 2.20% | 2.18% |
$25,000-$44,999.99 | 1.70% | 1.69% |
$10,000-$24,999.99 | 1.20% | 1.19% |
$5,000-$9,999.99 | 1.00% | 1.00% |
Money Market Accounts
The Annual Percentage Yield (APY) is the total amount of the interest to be paid on the account based on rate and compounding.
Variable rate account, with a minimum balance of $2,500 required to open and earn. If the account falls below the minimum balance requirement the APY will be 0%.
Compounds monthly.
Fees may reduce earnings.
Ask us for further information about the terms and fees that apply to these accounts.
Federally insured by the NCUA.
Tier | APY* | Interest Rate |
|---|---|---|
$2,500-$14,999.99 | 0.05% | 0.05% |
$15,000-$49,999.99 | 0.15% | 0.15% |
$50,000 and greater | 0.25% | 0.25% |
Simply Save Accounts
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The Annual Percentage Yield (APY) is the total amount of interest to be paid on the account based on rate and compounding
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Their is no minimum balance to open and earn.
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Compounds monthly.
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No withdrawal penalty.
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Deposits can only be made to this account through the round up program.
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Ask us for further information about the terms and fees that apply to these accounts.
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Federally insured by the NCUA.
Account | APY* | Interest Rate |
|---|---|---|
Simply Save | 10.00% | 9.57% |
Standard Accounts
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The Annual Percentage Yield (APY) is the total amount of the dividends/interest to be paid on the account based on rate and compounding.
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Fees could reduce the earnings.
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**Monthly fee waived if requirements are met.
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We reserve the right to require not less than seven, and up to sixty days, notice in advance of an early withdrawal per your Membership and Account Agreement with us.
Account Type | APY* | Minimum to Earn | Monthly Fee ** | Compounding | Interest Rate |
|---|---|---|---|---|---|
Membership Share | 0.03% | $5 | $0 | Quarterly | 0.03% |
Sub Accounts | 0.01% | $0 | $0 | Quarterly | 0.01% |
Member Checking | 0.00% | $0 | $0 | Monthly | 0.00% |
Interest Options Checking | 0.25% | $5,000 | $15 | Monthly | 0.25% |
Simply Better Business Checking | 0.00% | $500 | $10 | Monthly | 0.00% |
COLTAF Checking | 0.25% | $0 | $0 | Monthly | 0.25% |