High Yield Savings Accounts
Find High Interest Rates to Grow Your Total Savings
Our High Yield Savings Account (HYSA) is designed to help your money work harder, without giving up financial flexibility. At Educational Systems Federal Credit Union, we offer a competitive high yield savings option for Credit Union members looking to make the most of their deposits and reach their savings goals. With tiered savings account balances specifically designed to reward higher savings, this high interest savings account is built to support your financial growth while keeping your funds accessible.
How a High Yield Savings Account Benefits You:
Tiered Rates
Accelerated Financial Growth
Convenient Access
Current High Yield Savings Account Rates
| Account Type | Minimum Balance | Dividend Rate | APY |
|---|---|---|---|
| High Yield Savings Accounts Tier Five1, 2 Open Now | $250,000.01 | 3.45% | 3.50% |
| High Yield Savings Accounts Tier Four1, 2 Open Now | $100,000.01 | 3.20% | 3.25% |
| High Yield Savings Accounts Tier Three1, 2 Open Now | $50,000.01 | 2.96% | 3.00% |
| High Yield Savings Accounts Tier Two1, 2 Open Now | $1,000.01 | 2.72% | 2.75% |
| High Yield Savings Accounts Tier One1, 2 Open Now | $0.00 | 2.47% | 2.50% |
APY=Annual Percentage Yield.
1 Dividends are compounded and credited monthly.
2 High Yield Savings Accounts rates are tiered, variable and based on balance thresholds that may change at any time without notice. Dividends are compounded and credited monthly. Limit of one High Yield Savings Account per member. Minimum account opening balance requirement is $50. Average daily balance of $0.00 up to $1,000 earn the applicable Tier One rate. Average daily balance of $1,000.01 up to $50,000 earn the applicable Tier Two rate. Average daily balance of $50,000.01 up to $100,000 earn the applicable Tier Three rate. Average daily balance of $100,000.01 up to $250,000 earn the applicable Tier Four rate. Average daily balance of $250,000.01 up to $500,000 earn the applicable Tier Five rate. Balances of $500,000.01 and above will earn the prevailing Membership Savings rate.
Effective November 1, 2026, Your average daily balance determines the applicable tier, and the APY for that tier applies to your entire High Yield Savings Account balance. Average daily balances of $0.01 up to $25,000 qualify for Tier One; $25,000.01 up to $50,000 qualify for Tier Two; $50,000.01 up to $100,000 qualify for Tier Three; $100,000.01 up to $150,000 qualify for Tier Four; $150,000.01 up to $250,000 qualify for Tier Five; and $250,000.01 up to $500,000 qualify for Tier Six. The maximum High Yield Savings Account balance is $500,000. Any amount above $500,000 will be automatically transferred daily, as applicable, to the member’s Membership Savings Account and will earn the prevailing Membership Savings Account rate. Limit one High Yield Savings Account per member. Minimum opening balance is $50.
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Frequently Asked Questions
A High-Yield Savings Account typically offers significantly higher interest rates and APYs than traditional savings accounts. This enables savers to earn more on their balances.
The amount of interest you earn depends on your account balance, APY and how long money remains in the account.
A High-Yield Savings Account can assist with short-term and long-term financial goals by earning you more interest while keeping your money available to you.
Pair your High Yield Savings Account with one of our Checking Accounts for seamless banking.
