Share Savings
0.50% APY
The starter. $5 opens it, no monthly fee, and it never expires.
- Free transfers to checking
- Round-ups from debit purchases
- Holiday club add-on at 1.00% APY
Home / Bank
Everyday bankingBanking that works for you, not the other way around.
Three honest checking accounts, savings that grows, and accounts for every age. No gotcha fees. No fine print puzzles.
Checking
Pick the checking account that fits your week.
You can switch any time, free. Most members start with Neighbor Checking and move up if they want more perks.
| Account | Monthly fee | To open | Earns dividends | Perks | Best for |
|---|---|---|---|---|---|
| Neighbor Checking | $0, always | $25 | No | Free debit card, free bill pay, first box of checks free, surcharge-free ATMs | Anyone who wants simple |
| Lantern Plus Checking | $0 with direct deposit, otherwise $6 | $50 | 0.75% APY on balances over $1,000 | Up to $15 a month in ATM fee refunds, cell phone protection, free cashier's checks | Members who get paid by direct deposit |
| Fresh Start Checking | $3, waived under age 25 | $10 | No | No overdraft fees, free money coaching, no minimum balance, easy path to Neighbor Checking | Rebuilding, first jobs, tight months |
Sample fees and terms for a design concept. Dividends are paid monthly. See rates.
Savings
A place for the money you do not touch.
Your share savings account is also your membership. Keep $5 in it and you are an owner of the credit union.
Money Market
Up to 2.25% APY
Higher rates for bigger balances, with a debit card and check writing when you need them.
- $2,500 to open
- 1.75% APY from $2,500
- 2.25% APY from $25,000
Goal Savers
1.00% APY
Name a goal like "new roof" or "road trip" and watch a progress bar fill up. Make up to six goals.
- Automatic weekly transfers
- No fee, no minimum
- Move money anytime
Certificates
Pick a term. Lock in a rate. Relax.
A certificate pays a fixed rate for a set time. It is a good home for money you will not need until later, like a house down payment or next year's vacation.
- $500 to open, terms from 6 to 60 months
- IRA certificates available
- Rate stays the same until the term ends
- Early withdrawal penalties apply
Sample certificate rates
| Term | APY |
|---|---|
| 6 months | 3.75% |
| 12 months | 4.20% |
| 24 months | 4.00% |
| 36 months | 3.85% |
| 60 months | 3.80% |
Effective October 1, 2026. Sample rates.
Youth accounts
Small balances, big habits.
Lanternway Lights is for anyone under 18. Kids learn to save, parents stay in the loop, and nobody pays a fee.
- Lights Savings: $10 to open, 3.00% APY on the first $1,000
- Lights Checking (ages 13 to 17): debit card with parent controls, no monthly fee
- Money Smarts classes: free after-school sessions at every branch
- A little lantern piggy bank for every new saver
Questions we hear a lot
Do not see yours? Visit the help center or call 513-555-0142.
How much does it cost to join?
Just $5. That money goes into your share savings account and makes you an owner. It is still your money, and you can see it any time.
Will you charge me if I overdraw?
Neighbor and Lantern Plus members can link savings for free overdraft protection. Fresh Start never charges overdraft fees. Otherwise, a sample fee of $20 applies once per day.
Can I use other ATMs for free?
Yes. Our members can use more than 30,000 shared-network ATMs without a surcharge. Look for the shared network sign, or use the finder in our app.
Is my money safe?
Yes. Deposits are federally insured by NCUA up to $250,000 per member, per account ownership category. That is the same level of protection you get at a bank.
Can I get paid early with direct deposit?
With Lantern Plus Checking, we post direct deposits as soon as we get them, which is often up to two days early.
What do I need to open an account?
A photo ID, your address, and $5 for your share savings. Our online application walks you through it.
Ready to make the switch?
We will help you move direct deposits and bill pay. Most members are done in one visit.