Savings Calculator

How fast will your money grow?

The APY on your savings account makes a big difference on how your money grows over time. Use our calculator to see the future value of your savings. 



What are dividends on a savings account?

Dividends are similar to interest. Credit unions use the term dividends instead of interest to define the amount the credit union pays you to hold your money in the account. 

Can I have more than one savings account?

Yes, you can have more than one savings account, even at the same financial institution. It's a great idea to research different types of savings accounts and find which ones are right for your financial goals. It's common to have multiple savings accounts for various types of funds; for example you may have one savings account for general savings and another for an emergency fund or a college fund.

What is an annual percentage yield?

An annual percentage yield, or APY, is the amount of compounding dividends that you earn on your savings over the course of a year. 

What are dividends on a savings account?

When you are a member of a credit union, you are an owner, so you get paid dividends on your shares. Your share amount is essentially how much you have in your savings within that credit union. The dividend rate is used to determined the APY you can earn on savings accounts. 

Is my money protected in a savings account?

Your money is safe in a savings account, even if your financial institution fails. Banks are insured by the FDIC and credit unions are insured by the NCUA up to $250,000. Unlike investment accounts, savings accounts are not invested into the market with the chance of loss.

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