Share & IRA Certificates1
Rates in effect as of November 19, 2018
APY = Annual Percentage Yield
| 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 |
0.90% |
0.90% |
| 12 Months Jumbo |
$100,000.00 |
$100,000.00 |
1.49% |
1.50% |
| 13 Months |
$500.00 |
$500.00 |
0.60% |
0.60% |
| 18 Months |
$500.00 |
$500.00 |
1.98% |
2.00% |
| 24 Months |
$500.00 |
$500.00 |
2.13% |
2.15% |
| 25 Months |
$500.00 |
$500.00 |
0.75% |
0.75% |
| 30 Months |
$500.00 |
$500.00 |
2.23% |
2.25% |
| 33 Months |
$500.00 |
$500.00 |
1.00% |
1.00% |
| 36 Months |
$500.00 |
$500.00 |
2.23% |
2.25% |
| 50 Months |
$500.00 |
$500.00 |
2.33% |
2.35% |
| 60 Months |
$500.00 |
$500.00 |
2.47% |
2.50% |
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 November 19, 2018
APY = Annual Percentage Yield
| 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 $2500.00 |
|
$0.01 |
2.96% |
3.00% |
Balances $2500.01 and over |
|
$2500.01 |
0.20% |
0.20% |
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.
Money Market Savings Account5
Rates in effect as of November 19, 2018
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 |
0.20% |
0.20% |
| $1,000 to $9,999.99 |
|
$1,000.00 |
0.25% |
0.25% |
| $10,000 to $24,999.99 |
|
$10,000.00 |
0.35% |
0.35% |
| $25,000 to $49,999.99 |
|
$25,000.00 |
0.40% |
0.40% |
| $50,000 to $74,999.99 |
|
$50,000.00 |
0.55% |
0.55% |
| $75,000 to $99,999.99 |
|
$75,000.00 |
0.60% |
0.60% |
| $100,000 and over |
|
$100,000.00 |
0.70% |
0.70% |
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.
Checking Accounts6
Rates in effect as of November 19, 2018
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 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.