Accounts & deposits

Six accounts, published rates, no fine print.

Every Cascade Commons deposit account is federally insured by the NCUA to $250,000 per member, per ownership category. Rates are reviewed quarterly and posted thirty days before any change.

Commons Checking

A free, everyday checking account with no minimum balance, no monthly fee, and refunds on out-of-network ATM charges.

0.50% APY

$0 / month

Commons Checking is the account we want every member to have. It pays a small but real interest rate on every dollar in the account, refunds ATM fees up to twenty-five dollars a month, and never charges you for moving money out of savings to cover a transaction. Direct deposit lands up to two days early, which for many members means rent clears before payday.

What's included

$0 minimum, $0 monthly fee, $0 overdraft transfer fee
Up to $25 in out-of-network ATM fees refunded each month
Mobile deposit, Zelle, Apple Pay, Google Pay built in
Early direct deposit, up to two days ahead of payday

Good for

Members who use a debit card daily, anyone tired of $12 monthly fees at a national bank, and households that want overdraft transfer to be free rather than a $35 penalty.

Disclosures

APY accurate as of the 1st of the month. Rate may change at any time after account opening. ATM fee refunds apply to non-Cascade Commons ATM operator fees only.

Open this account Talk to a rep

Commons Savings

A high-yield, federally insured savings account that earns substantially more than the national average, with no balance tiers or rate games.

5.15% APY

$0 / month

We do not play the teaser rate game. The published rate is what every member earns from the first dollar to the FDIC-equivalent NCUA insurance limit. The rate is reviewed quarterly by the member-elected board, and changes are posted thirty days in advance.

What's included

Same rate from $5 to $250,000
Interest compounds daily, posts monthly
Six free transfers per month, no penalty for the seventh
Member share account opens with a $5 deposit

Good for

Emergency funds, sinking funds, and any cash you want working without locking it up.

Disclosures

APY accurate as of the 1st of the month. NCUA insured to $250,000 per member, per ownership category.

Open this account Talk to a rep

Sapling Youth Account

A first checking and savings pair built for ages 13 through 17, with parent visibility and a financial literacy curriculum baked in.

5.50% APY on first $1,000

$0 / month

Sapling is the account we wish we had as teenagers. A real debit card the family controls, real interest that makes the math obvious, and a curriculum the teen actually wants to finish because it ties to a scholarship application.

What's included

Parent or guardian co-signer, dual mobile app access
Bonus 5.50% APY on the first $1,000 in savings
Free debit card with daily spending limits the parent controls
Money Basics workshop credits toward our $1,000 scholarship

Good for

Families teaching the first lessons of saving and spending.

Disclosures

5.50% bonus APY applies to balances up to $1,000. Above $1,000, the standard Commons Savings rate applies. Account converts to a standard Commons account on the member's 18th birthday.

Open this account Talk to a rep

Member Money Market

A liquid money market account with tiered rates for larger balances, monthly check writing, and the same federal insurance as your savings.

Up to 5.35% APY

$0 with $2,500 minimum balance

A bridge between savings and a brokerage cash account, ideal for members holding a down payment, a business reserve, or proceeds from a home sale. Liquid, insured, and competitive with the best online-only banks.

What's included

4.50% APY $2,500 to $25,000
5.10% APY $25,000 to $100,000
5.35% APY above $100,000
Six checks per month, debit card optional

Good for

Members with $25,000 to $250,000 in cash they want to keep liquid and federally insured.

Disclosures

APY accurate as of the 1st of the month. Falls below $2,500 incur a $10 monthly maintenance fee. NCUA insured to $250,000.

Open this account Talk to a rep

Share Certificates (CDs)

Terms from 6 to 60 months with a $500 minimum and rates published openly. Bump-up option on 24-month and longer terms.

Up to 5.40% APY

Share certificates are CDs, just with a cooperative name. Open one online in about four minutes, or in branch in about ten. The bump-up option lets you raise your rate one time during the term if our published rate goes up.

What's included

6-month: 4.80% APY
12-month: 5.25% APY
24-month: 5.40% APY (bump-up eligible)
60-month: 4.95% APY

Good for

Cash with a known timeline: a tax bill, a remodel, a tuition payment, or a CD ladder rung.

Disclosures

APY accurate as of the 1st of the month. Early withdrawal penalty equals 90 days of interest on terms under 24 months, 180 days on terms 24 months and longer.

Open this account Talk to a rep

Retirement IRA

Traditional and Roth IRA share certificates and savings, with help from a member services rep who is salaried, not commissioned.

Up to 5.40% APY

$0 annual custodian fee

Most members open an IRA share certificate as the safe-money portion of a broader retirement picture. Our reps will not sell you an annuity or push you into a brokerage product. We will tell you whether an IRA at the credit union actually makes sense for your situation.

What's included

Traditional, Roth, and Coverdell ESA
No custodian fee, no rollover fee
Direct rollover help from a salaried rep
Beneficiary updates online or in branch

Good for

The conservative slice of a retirement portfolio, rollover dollars from a former employer, and small annual contributions for income-eligible households.

Disclosures

Subject to IRS contribution limits. Consult your tax advisor regarding deductibility and Roth eligibility.

Open this account Talk to a rep

The full rate board

Every rate, in one place.

Product	Notes	Rate
Commons Savings	All balances, $5 minimum	5.15% APY
Money Market $25k+	Tiered to 5.35% above $100k	5.10% APY
6-month certificate	$500 minimum	4.80% APY
12-month certificate	$500 minimum	5.25% APY
24-month certificate	Bump-up eligible	5.40% APY
60-month certificate	Bump-up eligible	4.95% APY
Auto loan, new	Up to 84 months	5.49% APR
30-year fixed mortgage	Owner-occupied, qualified	6.625% APR
HELOC	Variable, prime + 0.25%	8.25% APR
Rewards Visa	Plus 2% cash back	12.99% APR
Personal loan	Starting rate, 12–60 months	9.99% APR
Student refinance	Variable, 5–15 years	5.99% APR

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates accurate as of the 1st of the month and subject to change.

Access & insurance

A small credit union, with national reach.

30,000+ surcharge-free ATMs

Use the CO-OP Network at every 7-Eleven, Costco, and Walgreens in the country with no out-of-network fee.

5,600+ shared branches

Conduct deposits, withdrawals, and loan payments at any CO-OP Shared Branch nationwide as if it were our own.

Mobile-first banking

Mobile deposit, Zelle, card lock, FICO updates, and bill pay all in the member app, with 24/7 secure chat with a real person.