Compare Saving Accounts

*APY = Annual Percentage Yield. Deposit rates and annual percentage yields (APY) are effective 7/4/2026 unless otherwise noted are and subject to change at any time. Unless otherwise noted, dividend-bearing accounts have variable rates subject to change at any time after the account is opened. When a Certificate is opened, the rate is fixed for the stated term. Dividends when credited monthly are compounded. Membership and account eligibility requirements may apply. Fees may reduce earnings. Early withdrawal penalty applies to Certificates. Early IRA withdrawals may be subject to tax penalty. Consult your tax or financial advisor for IRA and HSA information. Pre-authorized withdrawal transaction limits apply to Savings and Money Market accounts. Certain accounts may have a minimum balance requirement in order to earn the stated APY or to remain open. 1 The Premium Savings Account is designated as a variable rate account with two (2) APY rates associated with this account: the base (lower) APY and the bonus (higher) APY. Dividends are compounded and credited monthly. The bonus (higher) APY is paid on average daily balances if the following three (3) monthly (statement cycle) requirements are met. 1) Make ten (10) or more card purchases using either the debit card(s) linked to a checking account type and/or a credit card under the same membership as the Premium Savings account and 2) Minimum of one (1) direct deposit, payroll deposit, or external ACH transferred into your checking account type and 3) elect to receive eStatements in lieu of monthly paper statements. If requirements are not met, the base (lower) APY will be applied. 

For rate information visit monterra.org/rates. Offer and rates subject to change. Conditions and restrictions apply. Please refer to the Membership and Account Agreement Truth-in-Savings and our Fee Schedule for other account terms and conditions. Conditions and restrictions apply.