High-Yield Savings Account Rates

High-Yield Savings Account
Balance
Dividend Rate
Annual Percentage Yield (APY)
Balance
Less than $999.99
Dividend Rate
0.10%
Annual Percentage Yield (APY)
0.10%
Balance
$1,000.00-$24,999.99
Dividend Rate
0.90%
Annual Percentage Yield (APY)
0.90%
Balance
$25,000.00-$49,999.99
Dividend Rate
1.14%
Annual Percentage Yield (APY)
1.15%
Balance
$50,000.00-$99,999.99
Dividend Rate
1.79%
Annual Percentage Yield (APY)
1.80%
Balance
$100,000.00-$249,999.99
Dividend Rate
2.47%
Annual Percentage Yield (APY)
2.50%
Balance
$250,000.00 and Greater
Dividend Rate
3.20%
Annual Percentage Yield (APY)
3.25%
Effective December 1, 2024


Dividend rates are subject to change after the account is opened. Fees may reduce earnings on the account.

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High-Yield Savings Account Account Features

Copper State Credit Union's High-Yield Savings Account offers you the chance to earn more on your savings without risk or restrictions on your money.

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Guaranteed Dividends
Watch your money grow and enjoy guaranteed returns.
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No Balance Requirement
Enjoy no fees and no minimum balance requirements.
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Tiered Interest Rates
Flexible tiered rates allow you to invest as little or as much as you want.
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Easy Access
Easy account access via online and telephone banking.
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Your Deposits Are Insured
Deposits are insured by National Credit Union Administration and dividends are guaranteed.

Ways To Use Your High-Yield Savings Account

  • Flexible Savings

    Keeping your money accessible while trying to save is important. High-Yield Savings Account can be used to save for many short and long-term savings goals.

  • Emergency Savings

    There's no better time to start planning for the unexpected. Save three to six months worth of expenses to be prepared.

  • Hold 401(k) Distributions

    Enjoy the higher interest rates and guaranteed returns. Watch your money grow and know it is safe.

  • Your Next Adventure

    Start saving for your next vacation, large family event or rainy day adventure. Grow your savings now so you are ready when the time is right.

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Free 24/7 Online And Mobile Banking
Our online tools allow you to manage your money, pay bills, transfer funds and more from anywhere!
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Safe and Secure

Reliable High-Yield Savings Accounts

No matter how close you are to achieving your financial goals, Copper State Credit Union makes it easy to get one step closer.

Your funds are insured to at least $250,000 per individual depositor by the National Credit Union Administration (NCUA). Rest assured that your money is safe and secure. 

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Member Since 2021
Patricia L.

We chose Copper State first because it was a credit union and second because it was convenient to our home.

However, the service we have gotten in just a short time is been wonderful.

We have dealt with the Anthem branch and feel they have gone above and beyond and doing so with a wonderful attitude.

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Elevate Your Savings Game

Watch your savings grow with our High-Yield Savings Account.

Let's say you had an initial balance of $10,000. Over the course of five years you would have earned $693 with an APY of 1.35% with our High-Yield Savings Account. Now compare that to a traditional savings account earning of only $50 if you were earning 0.10% APY.

They say money talks, and our High-Yield Savings Account is very chatty!

HYSA vs Reg Savings

Based on current interest rates as of 7/1/2024.

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Have A Question?

Frequently Asked Questions

What is a High-Yield Savings Account?

Most banks offer hybrid accounts—part checking, part saving—called High-Yield Savings Accounts. They're similar to money market mutual funds, but have the advantage of federal insurance.

What are the best uses of a High-Yield Savings Account?
  • Higher dollar amounts of savings
  • Savings that you want to keep federally insured
  • Emergency savings funds, as long as your financial institution gives you quick and easy access to the account if/when needed
What are the interest rates like?

High Yield Savings Accounts typically pay higher interest rates than regular savings accounts and may offer blended or tiered rates, which means you can earn an even higher rate on large balances or on part of your balance over a certain level.

What are the transactional differences?

We have higher dividend rates than traditional savings.

The catch is that the minimum required deposit is often higher than with a regular savings account. If your account falls below that mark, you may face substantial service fees, forfeit your interest, or both.

Luckily, Copper State CU does not charge fees for our High-Yield Savings Accounts.

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