Our Coverdell Education accounts can help you save for your family's future education costs, whether that's for two years, four years, or more!
Earnings (Dividends) are tax-free if they are used to pay for educational expenses.
With minimum balances starting at $500, you can begin earning a higher rate sooner.
| Product | Minimum Balance | Dividend Rate | Dividend Rate with 2,500 Co-op Points | Annual Percentage Yield (APY) | APY with 2,500 Co-op Points |
|---|---|---|---|---|---|
| IRA Savings Account | No Minimum Balance | 0.03% | 0.03% | ||
| 90 Days Fixed | Over $500 | 1.00% | 1.25% | 1.00% | 1.25% |
| 6 Month Fixed | Over $500 | 3.50% | 3.75% | 3.55% | 3.81% |
| 9 Month Fixed | Over $500 | 3.25% | 3.50% | 3.29% | 3.55% |
| 12 Month Fixed | Over $500 | 3.25% | 3.50% | 3.29% | 3.55% |
| 15 Month Fixed | Over $500 | 3.25% | 3.50% | 3.29% | 3.55% |
| 18 Month Fixed | Over $500 | 3.25% | 3.50% | 3.29% | 3.55% |
| 22 Month Fixed | Over $500 | 3.50% | 3.75% | 3.55% | 3.81% |
| 24 Month Fixed | Over $500 | 3.25% | 3.50% | 3.29% | 3.55% |
| 29 Month Fixed | Over $500 | 3.25% | 3.50% | 3.29% | 3.55% |
| 36 Month Fixed | Over $500 | 3.25% | 3.50% | 3.29% | 3.55% |
| 48 Month Fixed | Over $500 | 3.00% | 3.25% | 3.04% | 3.29% |
| 60 Month Fixed | Over $500 | 3.00% | 3.25% | 3.04% | 3.29% |
| Rates subject to change at any time. Rates effective as of October 1, 2025. APY is accurate as of the last dividend declaration date., |
Prepare for College!
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