Savings Rates 

 

Rates in effect as of April 1, 2015

Savings & IRA Certificates1 

APY = Annual Percentage Yield

 TermMinimum
Balance to Open
Minimum Balance
to Earn APY
 Dividend Rate APY
3 Months $500.00 $500.00 0.20% 0.20%
6 Months $500.00 $500.00 0.25% 0.25%
12 Months $500.00 $500.00 0.40% 0.40%
12 Months Jumbo $100,000.00 $100,000.00 0.50% 0.50%
13 Months $500.00 $500.00 0.45% 0.45%
18 Months $500.00 $500.00 0.50% 0.50%
24 Months $500.00 $500.00 0.60% 0.60%
25 Months $500.00 $500.00 0.65% 0.65%
30 Months $500.00 $500.00 0.70% 0.70%
33 Months $500.00 $500.00 0.80% 0.80%
36 Months $500.00 $500.00 0.90% 0.90%
50 Months $500.00 $500.00 1.09% 1.10%
60 Months $500.00 $500.00 1.24% 1.25%


1Dividends are calculated using a daily balance method and are paid monthly. Dividend Rates on Share and IRA Certificates are fixed and will not change until maturity. The Annual Percentage Yield assumes dividends and principal will remain on deposit until maturity. A withdrawal will reduce earnings. Any withdrawal of principal from certificates before maturity will be subject to penalty. On IRA accounts, substantial tax penalties may be imposed under IRA regulations for withdrawal prior to age 59-1/2. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

 

Rates in effect as of April 1, 2015

Share Accounts2

APY = Annual Percentage Yield

 TermMinimum
Balance to
Open
Minimum
Balance to
Earn APY
 Dividend Rate APY
Regular Share Savings Account3
$5.00 $0.01 0.15% 0.15%
Special Savings Account $5.00 $0.01 0.15% 0.15%
Club Accounts - Holiday & Vacation $5.00 $0.01 0.15% 0.15%
Coverdell Education Savings Account $5.00 $0.01 0.15% 0.15%
IRA Savings Account2 $5.00 $0.01 0.15% 0.15%
Early Advantage Account4 $5.00 --- --- ---
Balances $.01 to $499.99 $0.01 2.96% 3.00%
Balances $500.00 and over $500.01 .15% 0.15%


2Dividends are calculated using a daily balance method and are paid monthly. Dividends are subject to Credit Union earnings and are officially declared at the end of the dividend period. The Dividend Rate may change at any time and may change after the account is open. Transaction limitations apply. On IRA accounts, substantial tax penalties may be imposed under IRA regulations for withdrawal prior to age 59-1/2. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

3Minimum $5.00 balance must be maintained at all times.

4To open an Early Advantage Account the primary must be under 18 years of age. For minors under the age of 13, we require a parent or legal guardian as a joint owner on the account. Limit one Early Advantage Account per minor.

 

Rates in Effect as of April 1, 2015

Money Market Savings Account5

APY = Annual Percentage Yield

TermMinimum
Balance to
Open
Minimum Balance
to Earn APY
Dividend RateAPY
Money Market Savings Account $5.00
$.01 to $999.99 $.01 0.15% 0.15%
$1,000 to $9,999.99 $1,000.00 0.20% 0.20%
$10,000 to $24,999.99 $10,000.00 0.25% 0.25%
$25,000 to $49,999.99 $25,000.00 0.25% 0.25%
$50,000 to $74,999.99 $50,000.00 0.30% 0.30%
$75,000 to $99,999.99 $75,000.00 0.35% 0.35%
$100,000 and over $100,000.00 0.40% 0.40%

5 Dividends are calculated using a daily balance method and are paid monthly. Dividends are subject to Credit Union earnings and are officially declared at the end of the dividend period. The Dividend Rate may change at any time and may change after the account is open. Transaction limitations apply. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.




Rates in Effect as of April 1, 2015

Checking Accounts6

APY = Annual Percentage Yield

TermMinimum
Balance to
Open
Minimum
Balance to
Earn APY
Dividend RateAPY
Personal Checking Account None None  N/A N/A 
Daily Money Market Account7 $1,000.00 $1,000.00 0.20%  0.20% 

6Dividends are calculated using a daily balance method and are paid monthly. Dividends are subject to Credit Union earnings and are officially declared at the end of the dividend period. The Dividend Rate may change at any time and may change after the account is open.

7The minimum withdrawal or transfer permitted from this account is $500. There is no limit on the number of withdrawals or transfers you may make from this account, provided each withdrawal or transfer is for at least $500.