Deposit rates

APY is accurate as of April 1, 2014.  Rates/APY may change at any time.

Share Accounts- Primary and Secondary Shares
Minimum balance to earn stated APY Rate
APY
$50.01 0.05%
0.05%
$2,500 0.10%
0.10%
$10,000 0.15%
0.15%

$5.00 minimun share balance required to open and maintain Primary Share.

Fees could reduce earnings on account.  Rates may vary after the account is opened.  APY is accurate as of date listed above.


Money Market Accounts
Minimum balance to earn stated APY Rate
APY
$2,500 0.20%
0.20%
$25,000 0.25%
0.25%
$50,000 0.30%
0.30%
$100,000 0.30%
0.30%
$200,000 0.30%
0.30%

$2500 required to open account.

Fees could reduce earnings on account.  Rates may vary after the account is opened.  APY is accurate as of the date listed above.


Share Draft (Checking) Accounts
Minimum balance to earn stated APY Rate
APY
Classic Checking
Any 0.00%
0.00%
Premium Checking
$200 0.01%
0.01%
$2,500 0.03%
0.03%
$10,000 0.05%
0.05%
$25,000 0.07%
0.07%
Prestige Checking
$1,000 0.03%
0.03%
$2,500 0.05%
0.05%
$10,000 0.08%
0.08%
$25,000 0.10%
0.10%
Second Chance Checking
Any 0.00%
0.00%
Basic Blue Checking
Any 0.00%
0.00%
Entrepreneur, Business, & Commercial Checking
$1,000 0.00%
0.00%

$50 required to open Classic (S3) and Premium (S4) accounts.  $1000 required to open Prestige (S5) account. $0 required to open Basic Blue (S16) and Second Chance (S15) accounts. $100 required to open Entrepreneur (S20) account.  $500 required to open Business (S21) account.  $1000 required to open Commercial (S22) account.

Fees could reduce earnings on account.  Rates may vary after the account is opened.  APY is accurate as of the date listed above.


Special Share Certificates - Special rates and special features

This product permits one withdrawal with no penalty as long as you:

  1. maintain 50% of the original balance and
  2. maintain a balance greater than $500
Minimum balance to earn stated APY Rate
APY Terms (Months)
$500 1.00%
1.00%
33
$500 0.35%
0.35%
8

Minimum balance to open: $500

Interest compounded monthly unless paid directly to you  Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount..  Withdrawal of earnings could reduce APY.


Share Certificates
Minimum balance to earn stated APY Rate
APY Terms (Months)
$1,000 0.20%
0.20%
$10,000 0.30%
0.30%
$90,000 0.35%
0.35%
06-11
$1,000 0.35%
0.35%
$10,000 0.45%
0.45%
$90,000 0.50%
0.50%
12-17
$1,000 0.50%
0.50%
$10,000 0.60%
0.60%
$90,000 0.65%
0.65%
18-23
$1,000 0.60%
0.60%
$10,000 0.70%
0.70%
$90,000 0.75%
0.75%
24-35
$1,000 0.90%
0.90%
$10,000 1.00%
1.00%
$90,000 1.05%
1.06%
36-47
$1,000 1.00%
1.00%
$10,000 1.10%
1.11%
$90,000 1.15%
1.16%
48-59
$1,000 1.10%
1.11%
$10,000 1.20%
1.21%
$90,000 1.25%
1.26%
60

Minimum balance to open:  $1000. 

Interest compounded monthly unless paid directly to you.   Early withdrawal penalty of 90 days of interest  will be imposed and may be deducted from principal amount.  Withdrawal of earnings could reduce APY.


Individual Retirement Account Special Share Certificates
Minimum balance to earn stated APY Rate
APY Terms (Months)
Traditional IRA and Roth IRA Special Share Certificates
$4,000 1.00%
1.00%
33
$4,000 0.35%
0.35%
8

Minimum balance to open:  $4000.

Interest compounded monthly unless paid directly to you.  Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount.  Other penalties may apply.  Withdrawal of earnings could reduce APY.


Individual Retirement Accounts and Standard ESA Share Certificates
Minimum balance to earn stated APY Rate
APY Terms (Months)
Traditional IRA, Roth IRA, and ESA Share Certificates
$1,000 0.75%
0.75%
18-35
$1,000 1.15%
1.16%
36-59
$1,000 1.25%
1.26%
60

Minimun balance to open:  $1000. 

Interest compounded monthly unless paid directly to you.  Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount.  Other penalties may apply.  Withdrawal of earnings could reduce APY.


High Rate Savings Accounts for Individual Retirement Accounts and ESA Accounts
Minimum balance to earn stated APY Rate
APY
High Yield Roth IRA and Traditional IRA Savings
$0 0.20%
0.20%
$10,000 0.25%
0.25%
$50,000 0.30%
0.30%
$100,000 0.30%
0.30%
$250,000 0.30%
0.30%
High Yield ESA Savings
$0 0.00%
0.00%
$100 0.25%
0.25%
0.30% 0.30%
0.30%
$25,000 0.30%
0.30%
$50,000 0.30%
0.30%

Minimum balance to open:  $0.

Fees could reduce earnings on account.  Rates may vary after the account is opened.  APY is accurate as of the date listed above.


Important Information

The annual percentage yield (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.  For all accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors.  The dividend rates and annual percentage yields listed above are the rates and yields approved at the last Board of Director's meeting to take effect on the date above.  The Share Savings, High Yield Money Market, High Yield Traditional IRA Savings, High Yield Roth IRA Savings, Premium Share Draft, and Prestige Share Draft accounts are tierred rate accounts.  The balance ranges, dividend rates, and annual percentage yields for each tier are listed above.  Once a particular balance range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account.  Balance ranges may change at any time as determined by the Credit Union's Board of Directors.  A penalty may be imposed for early withdrawal of share certificates.  Withdrawal of earnings could reduce the APY.  Please see the fee schedule for fees related to these accounts.

Rates and Annual Percentage Yields (APY) shown reflect the renewal rate and APY.  On new accounts, the rate and APY may increase based on the member's current account relationship.