Beginnings rates: up to 4.00% APY
credit union · NCUA CHARTER 68322 · www.beginnings.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| IRA Savings Account | Minimum $100 to earn APY · rates dated 1 Jan 2026 | 1.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Round Up Savings | Round Up Savings · rates dated 1 Jan 2026 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | Minimum $100 to earn APY · rates dated 1 Jan 2026 | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Certificates with | 3 Month Plus · rates dated 1 Jan 2026 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates with | 6 Month Plus · rates dated 1 Jan 2026 | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates with | 12 Month Plus · rates dated 1 Jan 2026 | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Lucky Savers Certificate | 12 month · rates dated 1 Jan 2026 | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates with | 24 Month Plus · rates dated 1 Jan 2026 | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates with | 36 Month Plus · rates dated 1 Jan 2026 | 3.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates with | 48 Month Plus · rates dated 1 Jan 2026 | 3.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates with | 60 Month · rates dated 1 Jan 2026 | 3.40% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Savings | $2,500 - $9,999.99 · rates dated 1 Jan 2026 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings | $10,000 - $24,999.99 · rates dated 1 Jan 2026 | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings | $25,000 - $49,999.99 · rates dated 1 Jan 2026 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings | $50,000 - $99,999.99 · rates dated 1 Jan 2026 | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings | $100,000 and over · rates dated 1 Jan 2026 | 0.75% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking Account | High Yield · Balances up to $10,000 to earn APY · rates dated 1 Jan 2026 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | Rewards · Minimum $1,000 to earn APY · rates dated 1 Jan 2026 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | High Yield · Balances over $10,000 to earn APY · rates dated 1 Jan 2026 | 0.35% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.beginnings.com/personal/deposit-accounts/certificates | 2026-11-01 21:04 UTC | ok | ac4964aac5e3 |
| www.beginnings.com/other/rates | 2026-11-01 20:22 UTC | ok | 95eed286f6e2 |