Deep Sea Savings

Dive into better savings.

Ready to see your balance grow? Pair Deep Sea Savings with High Tide or Splash Back Checking. Your rewards transfer automatically, so you can reach your savings goals sooner.^‡

Features You’ll Love

Automatically transfers of monthly rewards
Track your savings with Online and Mobile Banking
No minimum balance to earn rewards

DETAILS

Free account that builds your savings effortlessly
Links to free High Tide Checking or Splash Back Checking
Automatic transfers of High Tide or Splash Back earnings
2.50% APY^‡ on balances as much as $100,000
2.50% to 1.50 APY^‡ on balances over $100,000 depending on balance in account^‡
0.05% APY^‡ on all balances if qualifications are not met in Deep Sea Savings
No monthly maintenance fee
No minimum balance to earn rewards
No minimum deposit to open

Qualifications to Earn the Higher Rate

Qualifying for your High Tide or Splash Back Checking rewards automatically qualifies you for the highest Deep Sea Savings rewards rate, too. Enrollments must be in place, and all of the following transactions and activities must post and settle to your High Tide or Splash Back account each Monthly Qualification Cycle:

At least 15 debit card transactions
At least 1 direct deposit, ACH payment, or ACH credit transaction
Be enrolled in and agree to receive eStatements

And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on Deep Sea Savings. And you can get right back to earning your full rewards the very next cycle that you qualify.

^‡ Deep Sea Savings Disclaimer

High Tide Checking with Deep Sea Savings

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.

"Monthly Qualification Cycle" means the current statement cycle.

See our website www.laportecfcu.com or contact one of our member service representatives for specific Monthly Qualification Cycle dates.

Reward Information:

When your linked High Tide Checking account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $100,000.00 in your Deep Sea Savings account earn an APY of 2.50% and average daily balances over $100,000.00 earn a dividend rate of 0.4989 % on the portion of the average daily balance over $100,000.00, resulting in a range from 2.50% to 1.50% APY depending on the account's average daily balance.

When your linked High Tide Checking account qualifications are not met, the entire average daily balance in the Deep Sea Savings account earns a dividend rate of 0.05% resulting in an annual percentage yield of 0.05% APY.

Dividends will be credited to your Deep Sea Savings account on the first processing/business day of the following statement cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing/business day of the following statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of June 8, 2026.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Membership restrictions may apply.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

No minimum deposit is required to open the High Tide Checking account.

No minimum deposit is required to open the Deep Sea Savings account.

There are no recurring monthly maintenance charges or fees to open or close this account.

A High Tide Checking account is required to have a Deep Sea Savings account.

A linked Deep Sea Savings account is required for automatic savings.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Federally insured by NCUA

Splash Back Checking with Deep Sea Savings

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.

"Monthly Qualification Cycle" means the current statement cycle.

See our website www.laportecfcu.com or contact one of our member service representatives for specific Monthly Qualification Cycle dates.

Reward Information:

When your linked Splash Back Checking account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $100,000.00 in your Deep Sea Savings account earn an APY of 2.50% and average daily balances over $100,000.00 earn a dividend rate of 0.4989% on the portion of the average daily balance over $100,000.00, resulting in a range from 2.50% to 1.50% APY depending on the account's average daily balance.

When your Splash Back Checking account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. In addition, the entire average daily balance in the Deep Sea Savings account earns a dividend rate of 0.05% resulting in an annual percentage yield of 0.05% APY.