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Savings Accounts

Discover the security in a credit union savings account knowing your funds are covered up to $250,000 by NCUA. Grow your finances and start building towards your short-term savings goals.



With Raiz, it has never been easier to manage your savings. Yes, you'll get a secure account to grow your savings, but you also get access to all the other great features Raiz has to offer.


$5 Minimum Balance to Open

It doesn't take much to start saving. You can open your Raiz savings account with a minimum deposit of just $5.

Online and Mobile Banking

Manage your savings no matter where the road might take you. With online and mobile banking, you can access your account from any device in any location.

Federally Insured

Every deposit you make into your savings account is federally insured up to $250,000 by the NCUA, so you can feel confident that your money is safe.

Automatic Deposits

Set up automatic deposits that come out of your account, so you can just sit back and watch your money grow. It's the easiest way to save!

And more ...

Savings Rates

See today's rates

Savings Account Calculator

Final Balance

Contributions:     |    Earnings: 
Initial Deposit
Earn Dividends

Earn Money as You Save Money

Don't let your money just sit in a checking account. A high yield Savings Account from Raiz will earn more dividends, so you can reach your financial goals even faster. Any balance over $300 will start to earn dividends. The more you save, the more you earn!

Withdraw Money any Time

Complete Financial Freedom

With a Savings Account from Raiz, your funds are never locked into a savings term. You have complete access to use your savings with no withdrawal penalties. Use and move your money as you see fit.

Why Choose Raiz?

Our financial experts are some of the best, but really our motivation is you. Here is what we are doing today to reach a brighter tomorrow.


We work hard to make your money work for you. Reap the benefits of our innovative products and services that provide you with high dividend checking accounts, low interest on loans, and great rates on savings and retirement accounts.


Your money never sleeps, and neither do we. Raiz members have 24/7 access to digital banking and an online support chat available to help with all your banking needs.


We don’t just want to help you manage your money, we want you to thrive! Raiz provides free, award-winning online courses that cover an array of topics for every stage of your life.

Start your financial journey today.

Rising up our community is what drives us forward. We dedicate our time, funds, and resources to organizations and initiatives that are committed to making a difference.

How It Works

It's easy to open your Raiz Savings Account. Just follow these simple steps:

  • 1

    Open an Account

    It takes only minutes to open your account online or in the branch.

  • 2

    Make Initial Deposit

    Deposit at least $5 to get started.

  • 3

    Save for the Future

    Make regular deposits to save for a rainy day or any other financial goal.

Open account online

Top credit union savings account questions

  • A valid government-issued I.D, Social Security Number, and proof of address (If applicable).

  • There are no monthly service fees regardless of direct deposit or the account’s balance.

  • Yes, there is a $5 minimum balance requirement.

  • No direct deposit is not required to open an account.

  • Yes, with a joint account you can have multiple account owners.

  • Yes. Your checks are still valid and have the correct account number printed on them.

Top system upgrade account questions

  • Yes. Raiz has taken every precaution to ensure the security of all member information, account information, and member records through the upgraded operating system.

  • Our team has been diligently configuring the upgraded operating system for approximately 18 months. Your data has been verified, balanced, tested, and reviewed to ensure accuracy.

  • Post system upgrade weekend, members will receive two (2) statements. One for transactions made prior to the system upgrade weekend not including dividend information, and a second for the transactions made post-system upgrade weekend including dividend information.

    The second statement will look different with an updated format. New statement format will show information for all accounts on which the member is the primary owner. Members who previously received multiple account statements will now only receive one consolidated statement.

    Business accounts with an EIN (tax ID number) will continue receiving a separate monthly business account statement. Please refer to the key dates page for more information.

  • No. Your existing direct deposits and/or authorized payments will continue to process without interruption. After the system upgrade is complete, you will use your new account number(s) to set up any new ACH payments or direct deposits. Please refer to the key dates page for more information.

Have a question?

We’re happy to help you every step of the way!

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Start live chat

Chat live with a team member who can quickly help answer your question.

Call us


Give us a call directly; we’re here to help you every step of the way.

Meet with us

Schedule an appointment

Schedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.

Savings Account

Start Saving Now for a Better Future

At Raiz, we make it easy to build a more secure financial future. A few of our members favorite features are: low opening balance, no saving terms, and more dividends. In addition, we make accessing your savings account easy with Raiz’s traditional, mobile and online banking options. This way, you can keep an eye on your savings goal! Open your credit union savings account today.

  • 1

Start live chat!

Alert: System Maintenance – Effective 5/18/24 at 10:00 pm to 5/19/24 at 2:30 am Learn More