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In order to get started, select an account that works for you.

NGAGE Spending Account

An individual adult account for adults 18 years or older

REQUIRES NGAGE SAVINGS ACCOUNT- $5 opening deposit
Earn 3.00% APY on balances up to $25,000 when qualifications are met.
No monthly service fees and access to 70,000+ surcharge-free ATMs
Get rewarded with up to $20/month in ATM fee refunds
No penalty if the account does not qualify during the month.

NSPIRE Checking

NSPIRE Checking is more than just your everyday account. It offers valuable protection, helpful perks, and everyday convenience. It’s ideal for members who want added security and benefits built into their checking account.
* $5 monthly fee applies if average monthly balance falls below $1,500.

Built-in protection with identity theft monitoring and $10,000 in AD&D insurance
Save more with one NSF fee waived per year and discounts on checks and safe deposit boxes
Get more with cell phone protection, buyer’s protection, and shopping/travel rewards
Access to Telehealth services with no copays and discounts on prescriptions and lab work

Master Share Account

An individual adult account for adults 18 years or older

Earn competitive dividends on your balance
No monthly service fees with eDocuments
Start saving with as little as $5

Secondary Checking

Manage spending your way with an additional checking account. Perfect for budgeting, separating expenses, or keeping funds organized with flexible access when you need it.

Share Certificates (CDs)

Looking for a safe way to grow your savings? Our Share Certificates offer competitive rates, flexible terms, and the peace of mind that comes with up to $1 million in insurance coverage. Whether you're planning short-term or long-term, we make it easy to start saving with just $500.

Flexible Terms: Choose from a range of terms to fit your savings goals.
Great Rates, Low Minimums: Start earning more with as little as $500.
Fully Insured Savings: Enjoy up to $1,000,000 in total deposit protection.

Money Market Account

An individual adult account for adults 18 years or older

Higher Earnings: Tiered dividend rates reward larger balances
No Fees: Enjoy more growth without monthly service charges
Easy Access: Write checks or withdraw anytime online, in branch, or by phone

Christmas Club Savings

Make the holidays brighter by planning ahead. A Christmas Club Account helps you save a little each month, so when the season arrives, you’ll have money set aside for gifts, travel, or family traditions—without dipping into your regular budget.

Earn Dividends: Competitive rates on balances over $2,000
Simple to Start: Open with just $1 and build at your pace
Automatic Saving: Set up payroll deduction to make saving effortless

Secondary Savings

Set money aside for specific goals with a secondary savings account. It’s an easy way to stay organized and build savings for what matters most, all in one place.