Servus Credit Union savings products earn dividend rates that outperform what most national banks offer on equivalent deposit products. Regular savings, money market accounts, certificates of deposit, youth accounts, and IRA savings each serve a specific financial goal—all backed by NCUA protection up to $250,000.
Every Servus Credit Union savings account works differently, and matching the product to your purpose is the first step toward earning more. The Regular Savings account requires just $25 to open and pays 0.35% APY, compounded and credited quarterly. There are no monthly service charges, no minimum balance fees after the first $25, and no limit on how many deposits you can make each month. This account serves as your membership share and is automatically opened when you join Servus Credit Union.
Money Market accounts step up the rate substantially: 1.75% APY on balances of $2,500 and above, with tiered rates that reward higher savers. Balances of $10,000 to $24,999 earn 1.85% APY, $25,000 to $49,999 earn 2.00% APY, and balances above $50,000 qualify for 2.25% APY. Money market accounts include check-writing privileges, up to six preauthorized withdrawals per statement cycle under Regulation D, and a companion debit card for ATM access. This product fits members who need both liquidity and yield—emergency funds, down payment savings, and seasonal business reserves all benefit from the money market structure.
Certificates of Deposit lock in guaranteed fixed rates across terms from six months to five years. Current CD specials include 2.60% APY for 12-month terms, 2.85% APY for 24 months, 3.00% APY for 36 months, and 3.10% APY for 60-month terms. A $1,000 minimum deposit opens any CD. Early withdrawal penalties are standard and clearly disclosed: 90 days of dividends for terms under 24 months, 180 days for longer terms. Servus Credit Union offers both traditional fixed-rate CDs and a bump-up CD that lets you increase the rate once during the term if market rates rise.
| Product | Min Opening | Dividend Rate | APY | Check Writing | Withdrawals |
|---|---|---|---|---|---|
| Regular Savings | $25 | 0.35% | 0.35% | No | 6/mo |
| Money Market ($2,500-$9,999) | $2,500 | 1.73% | 1.75% | Yes | 6/mo |
| Money Market ($10,000-$24,999) | $10,000 | 1.83% | 1.85% | Yes | 6/mo |
| Money Market ($50,000+) | $50,000 | 2.23% | 2.25% | Yes | 6/mo |
| High-Yield Savings | $500 | 1.14% | 1.16% | No | 6/mo |
| Youth Savings | $5 | 0.50% | 0.50% | No | 6/mo |
| IRA Savings | $100 | 1.24% | 1.26% | No | N/A |
| 12-Month CD | $1,000 | 2.58% | 2.60% | No | N/A |
| 24-Month CD | $1,000 | 2.82% | 2.85% | No | N/A |
| 36-Month CD | $1,000 | 2.97% | 3.00% | No | N/A |
| 60-Month CD | $1,000 | 3.07% | 3.10% | No | N/A |
Rates current as of Q2 2026 and declared quarterly by the Servus Credit Union board. APY assumes dividends remain on deposit; withdrawal reduces earnings. Early CD withdrawal penalties: 90 days dividends for terms under 24 months, 180 days for terms 24 months and longer. All accounts are federally insured by the NCUA up to $250,000 per depositor.
I moved my emergency fund into a Servus Credit Union money market account and started earning a rate that actually moves the needle. The tiered structure meant that as I added to the account over the year, my yield kept climbing. It took maybe ten minutes to open online.
Servus Credit Union Regular Savings is a straightforward deposit account with a low $25 opening requirement and a set dividend rate regardless of balance. Money Market accounts earn higher tiered rates that increase as your balance grows but require a $2,500 minimum to open and maintain the stated APY. Money Market accounts also include check-writing privileges and a debit card, whereas Regular Savings is designed for deposits and occasional transfers. Both are subject to the six-withdrawal-per-month limit under Regulation D for preauthorized and electronic transfers.
Servus Credit Union certificate of deposit rates are declared quarterly by the board and reflect the credit union's not-for-profit structure, which returns earnings to members through higher deposit rates and lower loan rates. Current Servus CD rates of 2.60% to 3.10% APY across 12-to-60-month terms consistently rank in the top quartile of nationally available CD rates as tracked by the Consumer Financial Protection Bureau. Certificates are NCUA insured and available to all members with a minimum deposit of $1,000.
Yes. Servus Credit Union offers both Traditional and Roth IRA Savings accounts with a 1.25% APY dividend rate, a $100 minimum opening deposit, and no annual maintenance fees. IRA Savings accounts are separately insured by the NCUA up to $250,000, independent of other share insurance coverage. Members may contribute up to the IRS annual limit and manage IRA Savings alongside other Servus accounts through online banking. Servus Credit Union does not provide tax advice; consult a tax professional regarding IRA contribution eligibility and deductibility.
Servus Credit Union online banking lets you schedule recurring automatic transfers from your Servus checking account to any savings product—Regular Savings, High-Yield Savings, Money Market, or even toward a CD purchase. Set the frequency to weekly, biweekly, or monthly, and choose either a fixed dollar amount or a percentage of each deposit. You can also set up round-up transfers that pull the difference between debit card purchases and the next whole dollar into savings. All automatic transfer preferences are managed through the Servus login portal under the Transfers section of account settings.
Building savings with Servus Credit Union savings accounts means putting your money somewhere it actually grows. A Regular Savings account gives you the foundation for automated transfers and emergency fund deposits, while a Money Market account steps up the earnings when your balance crosses the threshold where meaningful rates kick in. Members who can commit funds for a fixed term often ladder Certificates of Deposit across 12-, 24-, and 60-month maturities to create predictable income streams. Young savers benefit from Youth Savings with no fees and financial literacy tools, and IRA Savings offers tax-advantaged growth for members planning retirement.
Pair a savings account with a checking account to establish the core deposit relationship that unlocks relationship pricing across all Servus Credit Union products. The online banking platform makes it simple to track balances, schedule transfers, and set up savings goals with progress indicators. When borrowing needs arise, your deposit history with Servus Credit Union strengthens applications for mortgage loans, auto loans, and personal loans. For everyday spending and rewards, explore Servus Mastercard credit card options. All deposit accounts are backed by NCUA insurance and the security protocols that protect every member transaction.