| Average Balance | # Monthly Transactions | Dividend Rate | APY** |
|---|---|---|---|
Average Balance 0 – $5,000 |
# Monthly Transactions 0 – 24 |
Dividend Rate 1.25% |
APY** 1.26% |
Average Balance 0 – $5,000 |
# Monthly Transactions 25+ |
Dividend Rate 2.50% |
APY** 2.53% |
Average Balance $5,001 and over |
# Monthly Transactions 0 – 24 |
Dividend Rate 0.05% |
APY** 0.05% |
Average Balance $5,001 and over |
# Monthly Transactions 25+ |
Dividend Rate 0.05% |
APY** 0.05% |
| Member Share | APY* | Dividend Rate |
|---|---|---|
Member Share $5-$5,000 |
APY* 0.15% |
Dividend Rate 0.15% |
Member Share $5,001-$25,000 |
APY* 0.15% |
Dividend Rate 0.15% |
Member Share Over $25,000 |
APY* 0.15% |
Dividend Rate 0.15% |
| Money Market | APY* | Dividend Rate |
|---|---|---|
Money Market $0-$4,999 |
APY* 0.25% |
Dividend Rate 0.25% |
Money Market $5,000-$9,999 |
APY* 1.25% |
Dividend Rate 1.24% |
Money Market $10,000-$19,999 |
APY* 1.35% |
Dividend Rate 1.34% |
Money Market $20,000-$49,999 |
APY* 2.30% |
Dividend Rate 2.28% |
Money Market $50,000-$74,999 |
APY* 2.40% |
Dividend Rate 2.38% |
Money Market $75,000-$99,999 |
APY* 2.45% |
Dividend Rate 2.43% |
Money Market $100,000-$249,999 |
APY* 2.50% |
Dividend Rate 2.48% |
Money Market $250,000-$499,999 |
APY* 3.00% |
Dividend Rate 2.97% |
Money Market $500,000 and over |
APY* 3.10% |
Dividend Rate 3.07% |
| Balance** | Rate | APY |
|---|---|---|
Balance** $0 – $9,999 |
Rate 1.24% |
APY 1.25% |
Balance** $10,000 and over |
Rate 1.34% |
APY 1.35% |
| IRA Accumulation / Builder | APY* | Dividend Rate |
|---|---|---|
IRA Accumulation / Builder $25-$49,999 |
APY* 0.35% |
Dividend Rate 0.35% |
IRA Accumulation / Builder $50,000-$74,999 |
APY* 0.40% |
Dividend Rate 0.40% |
IRA Accumulation / Builder $75,000-$99,999 |
APY* 0.40% |
Dividend Rate 0.40% |
IRA Accumulation / Builder $100,000 and over |
APY* 0.50% |
Dividend Rate 0.50% |
| IRA / Share Certificates | APY* | Dividend Rate |
|---|---|---|
IRA / Share Certificates 3 Month** |
APY* 3.00% |
Dividend Rate 2.97% |
IRA / Share Certificates 6 Month |
APY* 3.10% |
Dividend Rate 3.07% |
IRA / Share Certificates 9 Month (limited time rate) |
APY* 4.50% |
Dividend Rate 4.43% |
IRA / Share Certificates 12 Month |
APY* 4.05% |
Dividend Rate 3.99% |
IRA / Share Certificates 18 Month |
APY* 4.00% |
Dividend Rate 3.94% |
IRA / Share Certificates 24 Month |
APY* 3.90% |
Dividend Rate 3.84% |
IRA / Share Certificates 36 Month |
APY* 1.80% |
Dividend Rate 1.79% |
IRA / Share Certificates 48 Month |
APY* 1.85% |
Dividend Rate 1.84% |
IRA / Share Certificates 60 Month |
APY* 1.95% |
Dividend Rate 1.94% |
| Owner Participation Account | APY* | Dividend Rate |
|---|---|---|
Owner Participation Account (OPA) |
APY* 0.50% |
Dividend Rate 0.50% |
Disclosures
Rate 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 a 365 day period. The Dividend Rate and APY may change daily.
Nature of Dividends – Dividends are paid from current income and available earnings after providing for the required reserves.
Compounding and Crediting – The Dividend Period begins on the first calendar day of each month and ends on the last calendar day of each month.
Accrual of Dividends – Dividends will begin to accrue on the business day you make your deposit.
Average Daily Balance Method – For share draft (checking), club account (savings), and IRA savings account, dividends and minimum balances are calculated by the Average Daily Balance Method, which is determined by adding the full amount of principal to the account for each day of the period and dividing that figure by the number of days in that period.
Daily Balance Method – For shares (savings) and money market accounts, dividends and minimum balances are calculated by the Daily Balance Method, which is determined by applying a daily periodic rate to the full amount of the balance in the account each day.
Transaction Limitations – The account limitations are set forth above as well as in the General Terms and Conditions of the Credit Union’s Membership Agreement.
FEDERALLY INSURED BY NCUA
Know your funds are safe and secure, backed by the complete confidence of the National Credit Union Administration (NCUA) – an independent United States government agency dedicated to protecting credit unions and our members.
All your deposits with us are federally insured by the NCUA up to $250,000. Visit www.NCUA.gov to learn more.