Saving Accounts

Regular Savings

  • A good starting point…
  • No minimum balance required
  • Join Us Today!

Our basic savings account…earns dividends on any balance and comes with all the benefits of membership at Qualstar!

Looking for Savings Bonds? You can buy and manage electronic savings bonds safely online, 24/7. Sign up today for a TreasuryDirect account (paper Savings Bonds are no longer available for sale at financial institutions.)

What are you “Saving4?”

  • Save for anything you want, for as long as you need
  • Set-up automatic or payroll deposits and the hard work is done for you
  • Funds are distributed on the maturity date you choose
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We know it’s not easy to save money in general – but we want to make it easier by giving you options to set specific goals to save for the things you want to buy, the things you want to do, or even the things that you don’t know are going to happen yet. That’s why we’ve created an account that gives YOU more…

  • YOU decide the goal [holidays, vacation, bills, etc.)
  • YOU choose the term [6-24 months1]
  • YOU make deposits [any time, no minimum/maximum]
  • YOU earn dividends [watch your savings grow]

When the term has ended, the money you have saved becomes available to transfer into your checking (or as a cash withdrawal1) – you can also choose to roll it over into another “Saving4___” account if you want to keep the momentum going.

1 A fee applies if funds are withdrawn prior to the term ending.

Money Market – TWO Options!

  • Money Market account balances are insured up to $250,000 by the NCUA!
  • Tiered rates for higher balances, with one of the highest rates around!
  • Your funds have flexibility – you can access your funds at any time
  • Compare our rates to local financial institutions
  • Join Us Today!

Premier Money Market

A very competitive rate option, when a $10,000 average daily balance is maintained throughout the month and eStatements are received. If the average daily balance is below $10,000 at the end of the month, and/or if eStatements are disabled, the regular Money Market tier rate is earned for that period.

Tiers: $0 to $9,999.99 (earns regular Money Market rate) | $10,000+

Money Market

A traditional Money Market account, with tiered rates that provide an opportunity to earn more based on your balance. Minimum $2500 balance required to earn lowest rate, with no other account requirements.

Tiers: $2,500 to $9,999.99 | $10,000 to $49,999.99 | $50,000 to $99,999.99 | $100,000+

When you make the decision to put your money into a Qualstar Money Market account, you’re choosing an account with high earning potential and flexibility. With some of the highest rates available, your funds are accessible by withdrawal at our branches, printed checks and transfers via Home Banking and our Call Center.

Individual Retirement Accounts (IRA’s)

  • A convenient, simple way to start your retirement plan.
  • Also a great option when you want to move existing retirement accounts
  • Contributions may be tax deductible (but check with your tax consultant to be sure.)
  • Join Us Today!

It’s never too early to start planning for retirement

Start with opening an Individual Retirement Account. An IRA is a great way to invest for the future and the money you set aside may be tax deductible (consult your tax advisor).

IRA Options

Make regular deposits into an IRA Money Market Account, or place a fixed amount into an IRA Certificate and earn the rate based on the amount you deposit and the term you choose. We offer traditional IRAs and Roth IRAs with a variety of rates and terms to choose from.

Check our rate and term options – IRA Certificates or IRA Money Market.

Share Certificates

  • Regular and IRA Certificates from three (3) to 60-month terms
  • Competitive, tiered rates…so the more you save the more you earn!
  • A low minimum – just $1000 – to open.
  • Join Us Today!

A variety of rates and terms

Share Certificates provide you with the option of earning a higher dividend rate by investing your money for a designated period of time. Choose the term that best fits your financial needs, and the tier for the balance you want to invest – the rate is based on the amount you deposit and for how long.

The more you save, the more you earn

With our tiered rate structure, we can pay you the highest rate you qualify for based on the total balance of all your certificates. We’ll add up the amounts and you’ll get credit for the total you have invested, even if they are in separate certificates!