SAVINGS RATES
Updated as of 1/1/19
*Rates subject to change at any time – the credit union should be contacted for the current rates.
APR = Annual Percentage Rate, APY = Annual Percentage Yield
REGULAR ACCOUNTS
| ACCOUNT | APR | APY | MINIMUM |
| Share Account (000)* | .10% | .10% | $100.00* |
| Christmas Club (009)* | .20% | .20% | $100.00* |
| Special Club* | .10% | .10% | $100.00* |
| Goal Saver (008)* (Restricted Withdrawals) |
.10% | .10% | $100.00* |
*Account must have a minimum deposit of $5.00 to be opened. $100.00 minimum represents the minimum account balance to receive a dividend.
Members that do not use any other credit union services, have no activity on their share account for 12 months, or have less than $150.00 will be charged a monthly dormant account fee of $2.00.
MONEY MANAGEMENT
| Money Management ( 050 )** | APR | APY | MINIMUM |
| .05% | .05% | Under $2,500.00 | |
| .35% | .35% | $2,500 – $9,999.99 | |
| .35% | .35% | $10,000 – $19,999.99 | |
| .45% | .45% | $20,000 – $49,999.99 |
|
| .45% | .45% | $50,000 & up |
**Money Management rates are subject to change at any time.
CERTIFICATES OF DEPOSIT (CD)
*Rates subject to change at any time – the credit union should be contacted for the current rates
| TERM | AMOUNT INVESTED | APR | APY |
| 26 week (6 month) | Minimum $500 | 0.995% | 1.00% |
| 12 month | Minimum $500 | 1.49% | 1.50% |
| 18 month | Minimum $500 | 1.69% | 1.70% |
| 24 month | Minimum $500 | 1.98% | 2.00% |
| 30 month | Minimum $500 | 2.03% | 2.05% |
| 36 month | Minimum $500 | 2.28% | 2.30% |
| 48 month | Minimum $500 | 2.43% | 2.45% |
| 60 month | Minimum $500 | 2.72% | 2.75% |
Interest may be compounded quarterly on all CD’s.
INDIVIDUAL RETIREMENT ACCOUNTS (IRA)
*Rates subject to change at any time – the credit union should be contacted for the current rates
These are proposed dividends for the third quarter 2015 and are subject to change.
| TYPE | APR | APY | BALANCE |
| IRA Club – Tier 1 | .20% | .20% | $100 – $1,999 |
| IRA Club – Tier 2 | .25% | .25% | $2,000 and up |
| Roth IRA Club – Tier 1 | .20% | .20% | $100 – $1,999 |
| Roth IRA Club – Tier 2 | .25% | .25% | $2,000 and up |
| Education IRA – Tier 1 | .20% | .20% | $100 – $1,999 |
| Education IRA – Tier 2 | .25% | .25% | $2,000 and up |
IRA Certificates of Deposits
| TERM | APR | APY | MINIMUM |
| 12 month IRA Certificate | 1.49% | 1.50% | $500 minimum |
| 24 month IRA Certificate | 1.98% | 2.00% | $500 minimum |
| 36 month IRA Certificate | 2.28% | 2.30% | $500 minimum |
| 48 month IRA Certificate | 2.43% | 2.45% | $500 minimum |
| 60 month IRA Certificate | 2.72% | 2.75% | $500 minimum |
Youth Certificates of Deposits
| TERM | APR | APY | MINIMUM |
| 12 month IRA Certificate | 1.49% | 1.50% | $50 minimum* |
*For the Youth CD only, additional deposits can be made at any time
