Grow your savings with confidence
Competitive rates, FDIC insurance, and tools to help you reach short- and long-term goals. Whether you're building an emergency fund, saving for a down payment, or locking in a fixed return with a CD, Prospera Credit Union gives you flexible options that earn while you plan.
Savings products
Link any savings account to your Prospera Credit Union checking for instant transfers. Set up automatic savings rules to move money on payday without thinking about it.
Prospera Credit Union Savings
Our flagship savings account with no monthly fee when you enroll in e-statements. Up to 6 free withdrawals per month.
Open savings account ›Goal Savings
Create up to 10 separate buckets — vacation, emergency fund, new car — each with its own target amount and progress tracker.
Set a savings goal ›12-Month CD
Lock in a guaranteed return with flexible renewal options at maturity. Early withdrawal penalties may apply.
Open a CD ›Why save with Prospera Credit Union?
Saving money shouldn't mean sacrificing access. With Prospera Credit Union, your funds are always a transfer away from your checking account — no waiting periods, no transfer fees between your own accounts.
Our Goal Savings feature lets you visualize progress toward specific targets. Set a name, target amount, and optional deadline, then watch your progress bar fill as you save. Many customers set up automatic transfers of $25–$100 each payday to stay consistent.
Automatic savings made easy
From Online Banking, create a recurring transfer from checking to savings on any schedule — weekly, biweekly, or monthly. Pair it with spending analytics to see how much you can afford to set aside each month.
Current rates
| Account type | APY | Minimum deposit | Monthly fee |
|---|---|---|---|
| Prospera Credit Union Savings | 4.25% | $25 | $0 with e-statements |
| Goal Savings | 4.25% | $25 | $0 with e-statements |
| 6-Month CD | 4.35% | $500 | — |
| 12-Month CD | 4.50% | $500 | — |
| 24-Month CD | 4.40% | $500 | — |
| 36-Month CD | 4.30% | $500 | — |
Rates shown are illustrative for this demo platform. APY accurate as of June 2026. Fees may reduce earnings.
Certificate of Deposit (CD) basics
A CD locks your money for a fixed term in exchange for a guaranteed interest rate. Prospera Credit Union CDs are CUDIC-guaranteed and available in terms from 6 to 36 months.
- Fixed rate for the entire term — no surprises if market rates change
- Interest compounded daily and credited monthly
- Automatic renewal option at maturity, or transfer to checking/savings
- Ladder strategy: open multiple CDs with staggered maturity dates for liquidity and higher average returns
- Early withdrawal penalty: 90 days' interest on terms under 12 months; 180 days' on longer terms
Savings FAQs
How is interest calculated and paid?
Interest is calculated daily on your collected balance and credited to your account monthly. You can view year-to-date interest earned in Online Banking under Account Details.
Is there a limit on withdrawals?
Federal regulation allows up to 6 convenient withdrawals or transfers per month from savings accounts. ATM and in-branch withdrawals don't count toward this limit.
Can I link savings to checking for overdraft protection?
Yes. When you enable overdraft protection, funds transfer automatically from savings to cover checking shortfalls. A $10 transfer fee applies per occurrence.
What's the difference between Savings and Goal Savings?
Both earn the same APY. Goal Savings adds named sub-accounts with target amounts and visual progress tracking — useful when you're saving for multiple purposes at once.