Share & IRA Certificates1
Rates in effect as of July 02, 2020
APY=Annual Percentage Yield. Fees could reduce earnings.
| Term |
Minimum Balance to Open |
Minimum Balance to Earn APY |
Dividend Rate |
APY |
| 3 Months |
$500.00 |
$500.00 |
0.40% |
0.40% |
| 6 Months |
$500.00 |
$500.00 |
0.50% |
0.50% |
| 12 Months |
$500.00 |
$500.00 |
0.70% |
0.70% |
| 12 Months Jumbo |
$100,000.00 |
$100,000.00 |
0.75% |
0.75% |
| 13 Months |
$500.00 |
$500.00 |
0.60% |
0.60% |
| 18 Months |
$500.00 |
$500.00 |
0.75% |
0.75% |
| 24 Months |
$500.00 |
$500.00 |
0.95% |
0.95% |
| 25 Months |
$500.00 |
$500.00 |
0.75% |
0.75% |
| 30 Months |
$500.00 |
$500.00 |
1.00% |
1.00% |
| 33 Months |
$500.00 |
$500.00 |
1.00% |
1.00% |
| 36 Months |
$500.00 |
$500.00 |
1.09% |
1.10% |
| 50 Months |
$500.00 |
$500.00 |
1.14% |
1.15% |
| 60 Months |
$500.00 |
$500.00 |
1.19% |
1.20% |
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.
Share Accounts2
Rates in effect as of July 02, 2020
APY=Annual Percentage Yield. Fees could reduce earnings.
| Term |
Minimum Balance to Open |
Minimum Balance to Earn APY |
Dividend Rate |
APY |
| Member Savings Account3 |
$5.00 |
$0.01 |
0.20% |
0.20% |
| Special Savings Account |
$5.00 |
$0.01 |
0.20% |
0.20% |
| Club Accounts - Holiday & Vacation |
$5.00 |
$0.01 |
0.20% |
0.20% |
| Coverdell Education Savings Account |
$5.00 |
$0.01 |
0.20% |
0.20% |
| IRA Savings Account2 |
$5.00 |
$0.01 |
0.20% |
0.20% |
| Early Advantage Account4 |
$5.00 |
|
|
|
Balances $.01 to $5,000 |
|
$0.01 |
2.96% |
3.00% |
Balances $5,000.01 and over |
|
$5000.00 |
0.20% |
0.20% |
| Kasasa Saver 5 |
5.00 |
|
|
|
Balances $.01 to $100,000 |
|
$10,000.01 |
1.00% |
1.00% |
Balances $100,000.01 and over |
|
$100,000.01 |
0.25% |
0.25% |
| Health Savings Accounts (HSA) |
$5.00 |
.01 |
1.00% |
1.00% |
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 25 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.
5Requires Kasasa Cash Back Free Rewards Checking or Kasasa Cash Free Rewards Checking and $5 minimum deposit to open account.
Money Market Savings Account6
Rates in effect as of July 02, 2020
APY = Annual Percentage Yield.
| Term |
Minimum Balance to Open |
Minimum Balance to Earn APY |
Dividend Rate |
APY |
| Money Market Savings Account |
$5.00 |
|
|
|
| $.01 to $999.99 |
|
$0.01 |
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 |
0.30% |
0.30% |
| $50,000 to $74,999.99 |
|
$50,000.00 |
0.40% |
0.40% |
| $75,000 to $99,999.99 |
|
$75,000.00 |
0.45% |
0.45% |
| $100,000 and over |
|
$100,000.00 |
0.50% |
0.50% |
6 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.
Checking Accounts7
Rates in effect as of July 02, 2020
APY = Annual Percentage Yield.
| Term |
Minimum Balance to Open |
Minimum Balance to Earn APY |
Dividend Rate |
APY |
| Free Checking Account |
$25.00 |
None |
N/A |
N/A |
| Daily Money Market Account8 |
$1,000.00 |
$1,000.00 |
0.25% |
0.25% |
| Kasasa Cash Free Rewards Checking 9 |
25.00 |
|
|
|
Balances $.01 to $10,000 |
|
.0111 |
2.9512% |
3.00% |
Balances $10,000.01 and over |
|
.0111 |
0.25% |
0.25% |
| Kasasa Cash Back Free Rewards Checking 10 |
$25.00 |
N/A |
N/A |
N/A |
7Dividends 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.
8The 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.
9Free variable rate checking account that rewards accountholders when they meet minimum qualifications during the account's Monthly Qualification Cycle.
10Free variable reward checking account that rewards accountholders when they meet minimum qualifications during the account's Monthly Qualification Cycle.
11Minimum $25 deposit required to open account.
12Base Dividend Rate is .05% when account does not meet qualifications during the account's Monthly Qualification Cycle.