DEPOSIT RATES

Effective January 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
2Average Daily Balance
3If 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 January 1, 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 1.65% 1.65%
       
  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 1.90% 1.92%

1
Annual Percentage Yield
4A 10.00 Annual Maintenance Fee applies to all IRA accounts.
5If certificate is redeemed prior to Maturity Date, a penalty of 90-days interest will be charged.
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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