It All Starts with Savings

A Savings Account is the foundation of everything you can do at REGIONAL. Whether you're saving for a rainy day, building an emergency fund, or focusing on a larger long-term savings plan, REGIONAL has plenty of options to help you make your goals a reality.

Regular Savings

Regular Savings is your primary account at REGIONAL. Members are required to keep $5.00 in Regular Savings account to keep their REGIONAL membership current. After that, it’s all up to you. Regular Savings earns interest on balances over $200.

Special Savings

Have a specific savings goal in mind? A Special Savings works like Regular Savings, but you get to name the account to reflect whatever you’re saving for. There is no minimum balance for Special Savings, and the account earns interest on balances over $200.

Christmas Savings

If you need extra motivation to leave your saved money alone throughout the year, or simply want to set aside funds for use during the holiday season, this is the savings account for you. Your Christmas Savings account has no minimum balance, earns interest on balances over $200, and lets you withdraw funds penalty-free between November 1st and December 31st every year. There is a $15 fee for withdrawals made at any other time, giving you an incentive to use your savings only for their intended purpose.

Daily Cash Account (DCA)

For members who keep larger balances in savings, the Daily Cash Account earns a higher interest rate than our Regular, Special and Christmas accounts on balances over $2,500. There is no minimum balance, no penalties or fees for withdrawals.

IRA Savings

Individual Retirement Accounts help members save money for retirement. REGIONAL offers both traditional and Roth IRA Savings accounts (and CDs), and interest is paid on balances over $0.01. Qualified contributions to traditional IRAs are tax-deductible, and qualified distributions from Roth IRAs are tax-free.

Savings & Checking Rates
Effective Date: 1/1/2024
APY=Annual Percentage Yield. Rates are subject to change without notice.
Regular and Special Savings  $200 0.10%
Basic Checking $0.00 0.00%
Checking Plus $1,000
IRA Savings $0.00
Daily Cash Account (DCA) $2,500

Certificates of Deposit

If you’re ready to earn a higher interest rate than a savings account offers, a Certificate of Deposit may be right for you. Terms from 6 to 30 months are available with a minimum opening deposit of $1,000, while our 3-month VIP Certificate carries a minimum of $10,000.

Help your kids learn about long-term saving with our Head Start Youth Certificate, available up through high school graduation. This 6-month certificate has a minimum deposit of just $25, and the young member can add to that balance in $25 increments at any time.

Save to Win is a special certificate account that gives you the chance to win big! Each $25 deposit into this certificate earns you an entry into monthly and quarterly drawings. The more you save, the more chances you earn — up to 10 drawing entries per month. Not everyone will win a prize, but with regular deposits into your Save to Win account all year, you are guaranteed to end up with more money than when you started. Visit or call 1-800-762-7419 for full details today.

Certificate Rates
Effective Date: 1/1/2024
APY=Annual Percentage Yield. Rates are subject to change without notice.
VIP Certificate 3 months $10,000 1.01%
Certificate 6 months
12 months
18 months
30 months
IRA Certificate 24 months $1,000 3.04%
Head Start Youth Certificate1 6 months $25 0.705%
Save to Win Certificate 12 months $25 0.50%
1.Available to members through high school graduation. $1,000 maximum total deposit. 

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