Savings Accounts

Choose the savings account that fits your goals.

From membership savings to money market flexibility, Thinkwise offers simple options designed to help members save smarter, plan ahead, and build strong financial habits.

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Simple savings options for every stage.

Whether you're just getting started, saving for the holidays, opening an account for a child, or keeping larger balances more accessible, Thinkwise has a savings option built for you.

Primary
Savings

Best for membership savings
Your core membership savings account and the foundation of your relationship with Thinkwise.
$25
opening deposit
  • No monthly service fees
  • Earn dividends
  • Free access to Home Banking
  • Free access to Audio Teller
  • Access to over 30,000 Co-Op ATMs nationwide
  • Federally insured by NCUA
Open Primary Savings View Rates

Christmas
Club

Best for holiday savings
Save throughout the year for gifts, travel, and seasonal expenses with a dedicated holiday account.
$0
minimum opening balance
  • Save year-round for holiday expenses
  • Earn dividends
  • Funds transfer before the holiday season
  • Great for staying ahead of year-end spending
Open Christmas Club View Rates

Youth
Savings

Best for kids & teens
Help young members build smart financial habits early with a simple savings account designed to grow with them.
$25
opening deposit
  • No monthly service fees
  • Available as savings only, or with checking
  • Debit cards available for ages 13 and up
  • Great starter account for young savers
Open Youth Savings View Rates

Money
Market

Best for higher balances
A flexible savings option that offers easier access than a certificate while helping larger balances work harder.
No Minimum
balance required
  • Higher earning potential than regular savings
  • ATM or debit card access
  • No minimum withdrawal amount required
  • Flexible access to funds when needed
Open Money Market View Rates

Every Thinkwise savings account includes more.

Thinkwise savings options are designed to give members practical access, simple flexibility, and the confidence of federally insured deposits.

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Digital Access

Manage your account with online banking tools and convenient account access.

ATM

Nationwide ATM Access

Eligible accounts connect members to over 30,000 Co-Op ATMs nationwide.

$

Flexible Savings Choices

Choose from membership savings, youth savings, holiday savings, or money market options.

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NCUA Insured

Your deposits are federally insured for added peace of mind.

Need the latest savings rates?

Rates and APYs can change. Send members to the live savings rates page for the most current information before they open an account.

View Current Rates

Start saving with Thinkwise today.

Open a membership savings account, save ahead for the holidays, help a young saver get started, or choose money market flexibility for larger balances.

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