Disclosures
*APY is Annual Percentage Yield. Advertised APYs are effective as of 2/17/2026 and are subject to change at any time. Dividends are compounded and credited monthly, based on the Average Daily Balance. Advantage Save accounts are tiered. The dividend rate is paid on the portion of the Average Daily Balance within each balance tier. This results in a blended yield on your balance.
The following eligibility requirements must be met to open and maintain an Advantage Save account:
- Currently enrolled in Digital Banking.
- Currently enrolled in eStatements.
Advantage Save will earn dividends as follows:
- 3.30% APY on the portion of the Average Daily Balance from $0.01 to $15,000.00
- 1.05% APY on the portion of the Average Daily Balance from $15,000.01 to $25,000.00
- 0.15% APY on the portion of the Average Daily Balance over $25,000.01
The monthly cycle is defined as the first calendar day of the month through the last calendar day of the month. If eligibility requirements are not met during the cycle, the account will earn a reduced dividend rate. As of 2/17/2026, the reduced rate is 0.02% APY and will apply to the entire balance. The reduced rate is set by the Credit Union and is subject to change at any time.
Fees may reduce earnings on the account. Overdraft and uncollected funds fees may apply. Refer to the Credit Union’s Fee Schedule for details.
There is no minimum balance required to open an account or to earn dividends. Limited to one Advantage Save account per Social Security number. Membership qualifications apply.
The initial deposit used to open an Advantage Save account and all subsequent deposits must be made with new money, meaning the funds must originate from sources outside of AgFed accounts. Internal transfers or funds already on deposit with the Credit Union do not qualify as new money.
Click here to view the Share Rate/Truth in Savings disclosure for more information.