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To meet your specific savings needs, we offer a range of savings products that vary in dividend rates, ease of access, and balance levels.

Share Savings

Save for unplanned expenses, special purchases or use as overdraft protection with your checking account all while earning dividends for balances over $1001.
  • Higher-than-bank dividends for balances over $1001
  • Unlimited in-branch and ATM withdrawals2
  • Free account access via Digital Banking, 24-Hour Telephone Teller, and at over 30,000 ATMs nationwide2
  • Up to six electronic (non-branch) withdrawals per calendar month3
  • Use for overdraft protection on your personal checking account3

Money Market Accounts

Earn better-than-savings dividends while retaining liquidity. Choose from our two types of money market accounts - Standard or Premium.

Money Market Account

Earn dividends with as little as $2,500 on deposit. Enjoy unlimited in-branch
withdrawals and up to six electronic (non-branch) withdrawals per calendar
month. Use for overdraft protection on a checking account3.

Premium Money Market Account

Open with a $25,000 minimum balance and get the added benefits of our highest money market dividend rate1 and check writing privileges3.
Terms & Conditions
1Dividends are only paid out for balances over $100
2All ATMs in the Co-Op Network are fee-free to North Island members. Co-Op is a nationwide network of over 30,000 ATMs owned by credit unions, including North Island, as well as participating 7-Eleven® store ATMs. A checking account is required for ATM access.
3No more than six non-branch transfers, withdrawals, checks, or electronic debits per calendar month from your share savings or money market accounts. Refer to our Account Agreement & Disclosure for full details.
Programs (including but not limited to fees, rates, and features) are subject to change without notice. 
After account is opened, dividend rate and APY may change at North Island Credit Union's discretion. 
Fees may reduce earnings. 
View our complete Consumer Account Agreement & Disclosure.