High Yield Savings Accounts
Looking for a savings account that works harder for you? Take a look at our savings options that earn more.
Need help setting up an account or have questions? We’re here for you.
Elite High-Yield Savings
Our Elite High-Yield (EHY) Savings Account is perfect if you want your savings to earn higher dollars but still want the freedom to use that money. With a minimum of $2,500 to open, our EHY pays a higher rate than a Share Savings Account and it still gives you access to your money with up to six checks/withdrawals per month.
If you have more than $2,500 in a Share Savings Account, Consider the benefits of our Elite High-Yield Savings Account. The Kelly Community team can talk you through your options and will take excellent care of you and your loved ones. Our goal is to deliver great benefits like high dividends and minimal fees.
DISCLOSURE: If your balance falls below $2,500, then the account will earn a lower dividend and you’ll be charged a $10 fee.
Kidicate Share Certificate
The Kelly Community Kidicate is a two-year Share Certificate with a special interest rate. This special Share Certificate is the credit union version of a Certificate of Deposit (CD) that a bank might issue and allows members to set aside money for a specific amount of time in exchange for a higher interest rate. This account type requires members to have a social security number.
Features of our Kidicate Share Certificate Account include:
Traditional IRA
A Traditional IRA is a tax-deferred savings account. That means you typically don’t pay taxes on the money in the account until you use the money. A Traditional IRA helps you save for retirement by allowing you to grow your money tax-deferred. We offer IRA Savings as well as IRA Certificates.
Features of our IRA Accounts include:
- No minimum balance
- Flexible terms
- Flexible deposits
ROTH IRA
A ROTH IRA is a tax-advantaged savings account. That means you fund the account with money you have already paid taxes on, but the funds are typically tax-free when you withdraw them. Use your net pay now, and your earnings are tax-free.
A ROTH IRA helps you save for retirement by allowing you to pay taxes upfront and have no taxes on your qualified withdrawals.
Features of our ROTH IRA Accounts include:
- No minimum balance
- Flexible terms
- Flexible deposits
Ready to get started with our IRA Accounts? Here’s what you’ll need:
- No minimum balance is required to open an IRA Savings Membership, but you will need to be a member of Kelly Community. For an IRA Certificate, you’ll need to deposit $1,000.
- Contributions may be made in “lump sums” or by regular deposits to an IRA Savings Membership throughout the year.
- IRA Certificates are available with terms of 3, 6, 12, 18, 24, 36, 48, and 60 months.
DISCLOSURE: There is a penalty for withdrawals from the IRA Savings Membership, unless you are moving the money over to an IRA CD, or you are eligible to withdraw. IRA withdrawal rules and penalty details vary depending on your age and type of IRA.
Share Certificates
With as little as $1,000, Kelly Community members can invest in Share Certificates and maximize their earnings. A Share Certificate is the credit union version of a Certificate of Deposit (CD) you might get from a bank. It gives you the benefit of higher returns when you agree to set aside your money for a specific amount of time.
How our Share Certificate works
This account requires a minimum deposit of $1,000. To earn higher dividends, you’ll also need to agree to a specific term length in which you won’t touch the money. If you withdraw funds early, you will be charged a fee.
Elite High-Yield Savings Rates
| ACCOUNT TYPE | DIVIDEND RATE | APY* | MIN. BALANCE |
| Up to $9,999.99 | 1.10% | 1.106% | $2500 |
| $10,000 – $24,999.99 | 1.15% | 1.157% | $10,000 |
| $25,000 – $49,999.99 | 1.25% | 1.258% | $25,000 |
| $50,000 – $99,999.99 | 1.35% | 1.359% | $50,000 |
| $100,000 – $249,999 | 1.50% | 1.511% | $100,000 |
| $250,000 or more | 2.10% | 2.122% | $250,000 |
*Annual Percentage Yield
Kidicate Share Certificate Rates
| DIVDEND RATE | APY* | MIN. BALANCE | |
| Kidicate Share Certificate (24 Months) | 4.00% | 4.081% | $100 Min/$100,000 Max |
*Annual Percentage Yield
IRA Rates
| TERM | DIVIDEND RATE | APY* | MIN. BALANCE |
| IRA Savings | 0.45% | 0.451% | N/A |
| 3 Month IRA Certificate | 2.50% | 2.531% | $1,000 |
| 6 Month IRA Certificate | 3.75% | 3.821% | $1,000 |
| 12 Month IRA Certificate | 3.80% | 3.873% | $1,000 |
| 18 Month IRA Certificate | 3.50% | 3.562% | $1,000 |
| 24 Month IRA Certificate | 3.00% | 3.045% | $1,000 |
| 36 Month IRA Certificate | 2.65% | 2.685% | $1,000 |
| 48 Month IRA Certificate | 2.55% | 2.583% | $1,000 |
| 60 Month IRA Certificate | 2.50% | 2.531% | $1,000 |
*Annual Percentage Yield. For 5 Month IRA CD with minimum balance of $1,000 as of 11/15/25. Funds cannot be already on deposit with Kelly Community FCU. This offer cannot be combined with the Rewards Program bonus rates. Rates subject to change without notice.
Share Certificate Rates
| TERM | DIVIDEND RATE | APY* | MIN. BALANCE |
| 3 Month Certificate | 2.50% | 2.531% | $1,000 |
| 6 Month Certificate | 3.75% | 3.821% | $1,000 |
| 12 Month Certificate | 3.80% | 3.873% | $1,000 |
| 13 Month Certificate – Special | 4.25% | 4.341% | $1,000 |
| 18 Month Certificate | 3.50% | 3.562% | $1,000 |
| 24 Month Certificate | 3.00% | 3.045% | $1,000 |
| 36 Month Certificate | 2.65% | 2.685% | $1,000 |
| 48 Month Certificate | 2.55% | 2.583% | $1,000 |
| 60 Month Certificate | 2.50% | 2.531% | $1,000 |
*Annual Percentage Yield. For the 13 month certificate with minimum balance of $1,000 as of 8/1/26. This offer cannot be combined with the Rewards Program bonus rates. Rates subject to change without notice.
