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Emergency
Fund Savings

rainy day fund

Prepare for the Unexpected

According to the website Bankrate “less than 4 in 10 people have $1,000 in savings to prepare for an unexpected expense.”  This can happen with unanticipated bills like car repairs and home renovations or unexpected events like unemployment, sickness or disability. Plus an emergency savings can help you establish good savings habits.

Schedule an Appointment

Easy Steps to Open Your Emergency Fund Savings

Call or visit one of our branches to get started. 

  • Open an Emergency Fund Savings with no minimum to start earning dividends
  • Establish a goal of a minimum of $1,500
  • Decide on a time period of 12, 24 or 36 months to reach the goal
  • Set up automatic transfer from your Bellwether Checking or Savings account to meet your goals
Schedule an Appointment

Get Rewarded for Saving

  • When you open your account
  • When your first automatic transfer is received
  • When you are halfway to your goal
  • When you reach your goal
  • Get one of the best dividend rates around
savings reward

Savings Account Rates

$100 minimum daily balance required to earn dividends except Emergency Savings and Kid's Club account. "Save It Today!"

Emergency Fund Savings has no minimum balance to earn dividends. $5.00 minimum to open a savings account.  Balance earns a premium rate from the first penny deposited, equal to the highest tier on our money market savings accounts on full balance up to $500. Any amount above that limit earns our standard savings rate. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.

Kid's Club has no minimum balance to earn dividends. $5.00 minimum to open account. Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency. 

Effective Date: February 24, 2023
Account Type
Minimum Daily Balance to Earn Dividends
Dividend Rate %
Annual Percentage Yield (APY)
Account Type
Primary Share Savings
Minimum Daily Balance to Earn Dividends
$100.00
Dividend Rate %
0.01%
Annual Percentage Yield (APY)
0.01%
Account Type
Secondary Savings
Minimum Daily Balance to Earn Dividends
$100.00
Dividend Rate %
0.01%
Annual Percentage Yield (APY)
0.01%
Account Type
Emergency Savings
Minimum Daily Balance to Earn Dividends
Up to $500
Dividend Rate %
1.74%
Annual Percentage Yield (APY)
1.75%
Account Type
Emergency Savings
Minimum Daily Balance to Earn Dividends
$500.01+
Dividend Rate %
0.01%
Annual Percentage Yield (APY)
0.01%
Account Type
Club Accounts
Minimum Daily Balance to Earn Dividends
$100.00
Dividend Rate %
0.01%
Annual Percentage Yield (APY)
0.01%
Account Type
Save It Today! Kid's Club
Minimum Daily Balance to Earn Dividends
Up to $500
Dividend Rate %
1.74%
Annual Percentage Yield (APY)
1.75%
Account Type
Save It Today! Kid's Club
Minimum Daily Balance to Earn Dividends
$500.01+
Dividend Rate %
0.01%
Annual Percentage Yield (APY)
0.01%

$100 minimum daily balance required to earn dividends except Emergency Savings and Kid's Club account. "Save It Today!"

Emergency Fund Savings has no minimum balance to earn dividends. $5.00 minimum to open a savings account.  Balance earns a premium rate from the first penny deposited, equal to the highest tier on our money market savings accounts on full balance up to $500. Any amount above that limit earns our standard savings rate. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.

Kid's Club has no minimum balance to earn dividends. $5.00 minimum to open account. Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency. 

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