Effective July 1, 2024, through October 31, 2024, members who qualify for the $mart Checking Bonus dividend on their $mart Checking account will earn an additional .35% ($mart Rate Bonus) over our current rates for any new or maturing CD (for any term). For example, on a 6-month certificate of deposit that pays a 4.25% APY*, if qualifications for the $mart Rate Bonus are met, the rate would be 4.6%. CD Rates may vary depending on the term of the CD.

Don’t have a $mart Checking or don’t meet the $mart Checking Bonus dividend requirements at this time? No problem! Members who open or renew a CD during this time have 60 days to qualify for the $mart Checking Bonus dividend. Once qualifications are met, the $mart Rate Bonus will be applied to your newly opened or renewed CD.