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Livin’ Free Savings

Livin’ Free Savings is an account for young people who are starting their own personal finances. It aims to help cover you if you overdraw your checking account – AND it will pay you more when you save. It earns a higher rate on balances up to $500 and still earns dividends on the portion of your account balance over that amount.

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Rates & Terms

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  • Livin’ Free Savings
  • 5-01-2018


Dividend Rate2


Portion up to $5004



Portion over $500.015



Available to members age 13 to 25. $5 minimum balance required to open. Rates are variable and set by the Board of Directors on a monthly basis. Dividends are calculated on the daily balance, compounded monthly, and credited to the account at the end of the month. Dividends begin to accrue upon deposit. 

2 Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts

3 APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000. 

4 An interest rate of 5% (APY 5.12%) will be paid only on the portion of your daily balance that is less than $500.01.

5 An interest rate of 0.10% (APY 0.10%) will be paid only on the portion of your daily balance that is greater than $500.00.