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Our Hadley Branch remains closed as repairs continue. An exact reopening date is not yet available. The drive-up Smart ATM remains open for deposits and loan payments, but please use caution as traffic patterns may shift during construction. Check our website or social media next week for updates. All other branches remain open as usual. Access your accounts anytime through online and mobile banking.

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Education Accounts

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Better rates on higher education

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!

  • Tax Advantages

    Earnings (Dividends) are tax-free if they are used to pay for educational expenses.

  • Low Initial Deposit

    With minimum balances starting at $500, you can begin earning a higher rate sooner.

Education Account Rates

ProductMinimum BalanceDividend RateDividend Rate with 2,500 Co-op PointsAnnual Percentage Yield (APY)APY with 2,500
Co-op Points
IRA Savings AccountNo Minimum Balance0.03% 0.03% 
90 Days FixedOver $5001.50% 1.75% 1.51%1.76%
6 Month FixedOver $5003.70% 3.95% 3.76%4.02%
9 Month FixedOver $5003.70% 3.95% 3.76%4.02%
12 Month FixedOver $5003.50% 3.75% 3.55%3.81%
15 Month FixedOver $5003.50% 3.75% 3.55%3.81%
18 Month FixedOver $5003.50% 3.75% 3.55%3.81%
22 Month FixedOver $5003.50% 3.75% 3.55%3.81%
24 Month FixedOver $5003.60% 3.85% 3.66%3.91% 
29 Month FixedOver $5003.60% 3.85%3.66%3.91% 
36 Month FixedOver $5003.75%4.00%3.81%4.07%
48 Month FixedOver $5003.75%4.00%3.81%4.07%
60 Month FixedOver $5003.75%4.00%3.81%4.07%
Rates subject to change at any time. Rates effective as of October 5, 2026. APY is accurate as of the last dividend declaration date.,
Disclosures and additional details

For disclosures and additional details, visit here.

Additional details