DEPOSIT RATES

Effective July 1, 2016


Shares (Savings)*

Dividend
Rate
 
APY
1
Minimum (ABD) average daily balance to earn dividends $100.00 0.10%      0.10%

Money Market Account

     
$2,500.00 - $9,999.99 ($2,500 minimum ADB2 to earn) 0.15%   0.15%
$10,000.00 - $24,999.99 ($10,000 minimum ADB2 to earn) 0.18%   0.18%
$25,000.00 - $49.999.99 ($25,000 minimum ADB2 to earn) 0.22%   0.22%
$50,000.00 - $99,999.99 ($50,000 minimum ADB2 to earn) 0.27%   0.27%
$100,000.00 + ($100,000 minimum ADB2 to earn) 0.34%   0.34%

Minimum (ABD) average daily balance to earn dividends $2,500.00

Sharedraft (Checking)*


0.05%
 
0.05%

E-Checking*


 
   
$0.00 - $25,000.003 0.60%   0.60%
$25,000.01 & Up3 0.10%   0.10%

Must meet E-Checking Requirements to Qualify for Dividends

Other Savings*

     
Club 0.10%   0.10%
IRA4 0.30%   0.30%

 
1
Annual Percentage Yield
2 Average Daily Balance
3 If Requirements are not met, APY is 0.00%. Requirements are that the account must have at least one (1) direct deposit of at least $250 post to your savings or checking account each month, be enrolled in Online Banking with E-Statements, & have 12 VISA Signature POS transactions post to your account each month.
4
A 10.00 Annual Maintenance Fee applies to all IRA accounts.
*Accounts closed prior to month end forfeit all dividends for the month. Rates disclosed exclude Business or Organization Accounts - Call Credit Union for information
Fees could reduce the earnings on the account
Share accounts are variable rate accounts and are subject to change without notice.

Regular & IRA4 Certificate of Deposit (CD) Account Rates

Effective July 2, 2016
 


TERM
5
  MINIMUM
DEPOSIT
Interest
Rate

APY 1
  6 Months $1,000.00 0.35% 0.35%
12 Months $1,000.00 0.40% 0.40%
24 Months $1,000.00 0.55% 0.55%
36 Months $1,000.00 0.90% 0.90%
60 Months $1,000.00 1.40% 1.41%
       
  6 Months $20,000.00 0.40% 0.40%
12 Months $20,000.00 0.45% 0.45%
24 Months $20,000.00 0.65% 0.65%
36 Months $20,000.00 1.00% 1.00%
60 Months $20,000.00 1.65% 1.66%

1
Annual Percentage Yield
4 A 10.00 Annual Maintenance Fee applies to all IRA accounts.
5 If certificate is redeemed prior to Maturity Date, the penalty shall be equal to all the interest earned on the amount withdrawn prior to the maturity date, or an amount equal to 90 days interest at the certificate rate. The penalty is calculated as a forfeiture of part or all of the interest that has been earned on the account.
Fees could reduce the earnings on the account
Advertised Rates are subject to change without notice

For Fees and Other Terms, Please connect with a representative.

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