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
You can send, request or receive money with Zelle®.
- To start using Zelle® at Educational Systems FCU, you must be enrolled in Digital Banking. Visit our Digital Services page to learn how to register. Once enrolled in Digital Banking, you can access “Send Money With Zelle®” tab in Digital Banking to complete a brief one-time enrollment to tell us which email address or U.S. mobile number and deposit account you would like to use to send and receive money with Zelle®.
- To send money using Zelle®, simply add a trusted recipient’s email address or U.S. mobile phone number, enter the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes if they are already enrolled with Zelle®.
- To request money using Zelle®, choose “Request,” enter their enrolled email address, U.S, mobile number or Zelle® tag, confirm the receipt is correct and tap “Request.”
- To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your account, typically within minutes.
- If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps: Click on the link provided in the payment notification you received via email or text message. Select Educational Systems FCU. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification – you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.
If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.
If you have not yet enrolled with Zelle®, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select Educational Systems FCU.
- Follow the instructions provided on the page to enroll and receive your payment.
Pay attention to the email address or U.S. mobile number where you received the payment notification — you should enroll with Zelle® using that email address or U.S. mobile number where you received the notification to ensure you receive your money.
Keeping your money and information secure is a top priority for Educational Systems FCU. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account secure.
Pair your High Yield Savings Account with one of our Checking Accounts for seamless banking.
