High-Yield Options Account: Earn More, Effortlessly
- Options Credit Union
- Oct 14
- 2 min read
At Options Credit Union, we’ve made it even easier for members to grow their savings while keeping funds flexible and secure. Our High-Yield Options Accounts are designed for members who want higher returns without locking into a term — and now, with lower minimums and more earning tiers, everyone can benefit.
What Makes Our High-Yield Options Account Different
Unlike traditional savings or money market accounts, our High-Yield Options Account rewards members with premium rates on balances that grow with you while maintaining liquidity. Whether you’re just getting started or maintaining a strong balance, our new tiered structure ensures that every dollar earns its best possible return.
Here’s how it works:
Tiered Earnings: The higher your balance, the higher your APY — automatically. No separate accounts, no rate-chasing, and no hidden hoops to jump through.
Liquidity + Growth: Keep your money accessible while earning more than a standard savings account.
Federally Insured Safety: Your deposits are protected by the NCUA up to $250,000, so you can save and spend with confidence.
Member-First Flexibility: Unlike a CD, you can withdraw from the High-Yield Options Account once per month, penalty free.
What's New
We’ve made some exciting updates to help you get more from your money:
Lower Minimum Balance: You can now open and maintain a High-Yield Options Account with just $5,000 — down from $10,000.
New Tier Options: We’ve added additional balance tiers so members can earn competitive rates at every level.
Same Great Access: Enjoy unlimited deposits and one penalty free withdrawal per month.
Tier 1 | $5,000-$9,999.99 |
Tier 2 | $10,000-$24,999.99 |
Tier 3 | $25,000-$44,999.99 |
Tier 4 | $45,000-$99,999.99 |
Tier 5 | $100,000-$250,000 |
These updates make our High-Yield Options Account more inclusive and flexible, whether you’re building savings or optimizing higher balances for maximum yield.
Why Members Love It
With the new tier options, members can:
Tiered Dividend Rates: Automatically earn higher rates as your balance grows.
Now Term Lock: Your funds remain accessible when you need them.
Simple to Manage: Combine strong returns with the convenience of your Options Credit Union membership.
Smart Savings Strategy: Ideal for emergency funds, large purchases, or reserves between investment moves.
Whether you’re building an emergency fund, saving for a big purchase, or simply wanting a better home for your hard-earned money, our High-Yield Options Account makes it simple to get ahead — without complicated requirements or limited-time gimmicks.
Why It Matters
By lowering the minimum balance requirement and expanding earning tiers, we’re putting more opportunity in every member’s hands. You no longer need a large balance to enjoy premium savings — just a smart start and the power of Options behind you.
How to Get Started
Open or upgrade your account today and see your savings potential climb with every tier. Call a team member at 303-860-1117 to open yours.
