Investment Rates

Annual Percentage Rate And APY = Annual Percentage Yield

Savings Accounts

Type of Account Term Dividend Rate (A.P.R.) A.P.Y.
Savings Account None 0.20% 0.20%
Christmas Club None 0.20% 0.20%
HSA None 0.20% 0.20%
IRA Savings None 0.25% 0.25%

 

Checking Accounts

Account Required Balance Dividend Rate (A.P.R.) A.P.Y.
Economy Free
Pension Plus Checking
$0 0.00% 0.00%
Premium Checking
Tier 1 $0–$2,499 0.00% 0.00%
Tier 2 $2500–$9,999 0.15% 0.15%
Tier 3 $10,000–$24,999 0.20% 0.20%
Tier 4 $25,000 or more 0.25% 0.25%

This is an interest bearing account with dividends that accrue daily and pay monthly on the last day of each month. There is no monthly service charge if a daily minimum balance of $1000 is maintained; otherwise the monthly fee is $15.00. Overdraft protection via a Line of Credit, NO overdraft from savings is offered on this account.
 

Money Market Accounts

$0.00-$2,499.00 = 0.00%

$2,500.00-$9,999.99 = 0.15%

$10,000.00-$24,999.99 = 0.20%

$25,000.00-$49,999.99 = 0.30%

$50,000.00 or above = 0.40%

The rate is established monthly, on the 1st of each month. Minimum balance of $2500 is required, unlimited personal withdrawals, and a limit of six (6) telephone or Internet transfers per month, minimum transfer $500. No more than (3) transfers may be made by check.
 

Certificate of Deposits & IRA Certificate of Deposits

Certificate of Deposits (CDs) Term Dividend Rate (A.P.R.) A.P.Y.
Minimum $500 90 Days 0.25% 0.25%
Minimum $500 6 Months 0.35% 0.35%
Minimum $500 12 Months 0.50% 0.50%
Minimum $500 12 Months IRA CD 0.50% 0.50%
Minimum $500 24 Months 0.70% 0.70%
Minimum $500 24 Months IRA CD 0.70% 0.70%
Minimum $50,000 24 Months 0.80% 0.80%
Minimum $50,000 24 Months IRA CD 0.80% 0.80%
Minimum $500 36 Months 0.90% 0.90%
Minimum $500 36 Months IRA CD 0.90% 0.90%
Minimum $500 48 Months 1.10% 1.10%
Minimum $500 48 Months IRA CD 1.10% 1.10%
Minimum $500 60 Months 1.44% 1.45%
Minimum $500 60 Months IRA CD 1.44% 1.45%

NOTE: Certificates will be subject to a substantial penalty for early withdrawal.
Members should call the credit union to verify rates.