High-yield online savings accounts.

Your money should work for you today and tomorrow. Keep your savings liquid for day-to-day needs, or lock in a fixed rate for stable, predictable growth.
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Today's top savings rates.

Choose based on when you'll need the money. HighQ keeps it liquid at 3.30% APY1, with no minimum. If you can set it aside, our Certificate Account earns up to 4.20% APY2.

HighQ Savings

Stay liquid, while earning.

3.30% APY1

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  • Named the Best Savings Account by Bankrate
  • Penalty-free withdrawals
  • No minimum balance

HighMarq Savings

Higher rate on higher balances.

3.75% APY2

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  • Higher APY than HighQ
  • Penalty-free withdrawals
  • No minimum to open; $10K minimum to earn APY

7-Month Certificate

Also known as a Term Account. Similar to a CD.

4.20% APY3

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  • Fixed APY for 7 months
  • For NEW MONEY only
  • $100 minimum balance to open and earn APY (4.12% dividend rate)

Compare our savings accounts.

No single account has to do it all. 

Keep cash liquid for easy access, while still earning, move larger balances into HighMarq for a higher rate, or lock in a guaranteed rate with a Certificate Account.

Build the mix that fits every part of your life.

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HighQ Savings

Access your money whenever you need it. Earn 3.30% APY1 on every dollar.

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HighMarq Savings

Put larger balances to work while staying liquid. Earn 3.75% APY2 on balances of $10,000 and up.

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Certificate Accounts

Similar to a Certificate of Deposit (CD), you can lock in a guaranteed fixed rate for a set term.

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Rates and minimums at a glance.

Best for
APY
Rate Type
Minimum to open
Minimum to earn APY
NCUA insured
Funds access

HighQ Savings

Those who want to earn a high rate on all balance.

3.30%

Variable

$1

$1

Always free

HighMarq Savings

Those with balances over $10K and want to earn a higher rate.

3.75%

Variable

$1

$10,000

Always free

Certificate Accounts

Those who want guaranteed, predictable returns.

Up to 4.20%

Fixed

$100

$100

Yes, with a fee
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Start earning more on your money.

Grow your money with our high-yield online savings accounts, with options tailored for flexibility, higher balances, or locked-in predictability.
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Tools designed to help you save.

Open as many accounts as you want and manage everything from one place, with tools that help keep moving you forward.
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Mobile banking app

Save, move, and manage money 24/7.

Explore mobile banking
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Auto-transfers

Set up automatic transfers to keep your money growing in the background.

Set up transfers
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Account linking

View your financial accounts in one place and easily move money between accounts.

Link accounts
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High-yield checking

Earn even more with high-earning checking accounts.

Explore checking
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Credit monitoring

Stay on top of your credit health with up-to-date credit scores and reports.

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Account alerts

Get real-time alerts for balance changes, term maturity, transactions, and more.

Set up alerts

Calculate your future savings.

Use our calculators to determine how much you need to save to reach your financial goals.

Ready to open an account?

Open an account online in less than 5 minutes.

As with any credit union, membership is required in order to take advantage of credit union products and services. Membership is free and included in the online application. We’ll guide you through this every step of the way.

You’ll need: A valid ID, your Social Security number, and your bank account information if you want to fund your account during the application.

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Trusted by financial experts.

Quorum is consistently selected as one of the top credit unions in America.

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Best Credit Union

Bankrate

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Best Credit Unions, 2026

CNET

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Best Credit Unions, 2026

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Best Credit Unions
 
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Best Savings Account

Bankrate

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Best Credit Union for ATM Access

Buy Side from WSJ

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Best Credit Union for Savings Accounts

CNBC

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Best Credit Unions for Checking Accounts

Best ATM Network
CNBC

"Great rates and service. I recently opened a high-yield savings account with Quorum. The process was easy, online banking was comprehensive, and the rate and service were fantastic!"
panslif12
"Quorum has been my primary bank for over 5 years, where they do NOT disappoint. Not only do they offer the best interest rates with the HighQ Savings and term CDs, they are also prompt to provide answers to any questions."
Sonja M.
"We feel so much more secure with a federal credit union than a commercial bank. Great staff and the customer service is always patient and helpful. Rates on interest-bearing accounts are great, too. I’m glad we found Quorum."
Kathy C.
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Quorum savings account FAQs

A Few Things You Should Know

1. HighQ Savings Annual percentage yield (APY) and dividend rates are in effect as of 07/01/2026: APY and dividend rate may change after the account is opened, and any fees could reduce earnings. There is no minimum balance to open or maintain HighQ Savings. There are no monthly fees as long as you register for and maintain e-Statements. If you choose to receive paper statements, there will be a $10 monthly fee.

2. HighMarq Savings Annual percentage yield (APY) and dividend rates are in effect as of 07/01/2026: APY and rate may change after the account is opened, and any fees could reduce earnings. There is no minimum balance to open or maintain HighMarq Savings. The minimum average daily balance to earn the advertised APY is $10,000. There are no monthly fees as long as you register for and maintain e-Statements. If you choose to receive paper statements, there will be a $10 monthly fee.

3. Certificate Accounts Annual percentage yield (APY) and dividend rates are in effect as of 07/01/2026: Certificate Accounts are fixed-rate accounts. Dividends are compounded monthly and paid monthly. The minimum deposit and balance required to earn APY is $100. A penalty will be imposed if funds are withdrawn prior to maturity date. Fees could reduce earnings. The 7-Month Certificate Account will roll over into the 12-Month Certificate Account at the current rate at maturity.