| 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% |
| Balance** | Rate | APY |
|---|---|---|
Balance** Under $100 |
Rate 0.15% |
APY 0.15% |
Balance** $100 – $499 |
Rate 0.15% |
APY 0.15% |
Balance** $500 – $999 |
Rate 0.15% |
APY 0.15% |
Balance** $1,000 and over |
Rate 0.15% |
APY 0.15% |
| Account | Minimum Opening Balance | Rate | APY |
|---|---|---|---|
Account Club Savings |
Minimum Opening Balance $1.00 Holiday / $0.01 Others |
Rate 0.15% |
APY 0.15% |
Account Traditional IRA |
Minimum Opening Balance n/a |
Rate 0.35% |
APY 0.35% |
Account Roth IRA Savings |
Minimum Opening Balance n/a |
Rate 0.35% |
APY 0.35% |
Account Roth Conversion IRA |
Minimum Opening Balance n/a |
Rate 0.35% |
APY 0.35% |
Account Education IRA Savings |
Minimum Opening Balance n/a |
Rate 0.35% |
APY 0.35% |
| Balance | Rate | APY |
|---|---|---|
Balance $0-$4,999 |
Rate 0.25% |
APY 0.25% |
Balance $5,000-$9,999 |
Rate 1.24% |
APY 1.25% |
Balance $10,000-$19,999 |
Rate 1.34% |
APY 1.35% |
Balance $20,000-$49,999 |
Rate 2.28% |
APY 2.30% |
Balance $50,000-$74,999 |
Rate 2.37% |
APY 2.40% |
Balance $75,000-$99,999 |
Rate 2.42% |
APY 2.45% |
Balance $100,000-$249,999 |
Rate 2.47% |
APY 2.50% |
Balance $250,000-$499,999 |
Rate 2.96% |
APY 3.00% |
Balance $500,000 and over |
Rate 3.06% |
APY 3.10% |
| Balance** | Rate | APY |
|---|---|---|
Balance** $0 – $9,999 |
Rate 1.24% |
APY 1.25% |
Balance** $10,000 and over |
Rate 1.34% |
APY 1.35% |
| Balance** | Rate | APY |
|---|---|---|
Balance** Under $2,500 |
Rate 0.25% |
APY 0.25% |
Balance** $2,500 – $9,999 |
Rate 0.25% |
APY 0.25% |
Balance** $10,000 – $24,999 |
Rate 0.35% |
APY 0.35% |
Balance** $25,000 – $49,999 |
Rate 1.29% |
APY 1.30% |
Balance** $50,000 – $99,999 |
Rate 1.39% |
APY 1.40% |
Balance** $100,000 – $249,999 |
Rate 1.49% |
APY 1.50% |
Balance** $250,000 and up |
Rate 1.98% |
APY 2.00% |
| Term | Dividend Rate | APY* |
|---|---|---|
Term 3 Months** |
Dividend Rate 3.46% |
APY* 3.50% |
Term 6 Months |
Dividend Rate 3.70% |
APY* 3.75% |
Term 12 Months |
Dividend Rate 4.67% |
APY* 4.75% |
Term 18 Months |
Dividend Rate 4.76% |
APY* 4.85% |
Term 24 Months |
Dividend Rate 4.86% |
APY* 4.95% |
Term 36 Months |
Dividend Rate 2.97% |
APY* 3.00% |
Term 48 Months |
Dividend Rate 3.02% |
APY* 3.05% |
Term 60 Months |
Dividend Rate 3.06% |
APY* 3.10% |
| Term | Dividend Rate | APY* |
|---|---|---|
Term 3 Months** |
Dividend Rate 3.46% |
APY* 3.50% |
Term 6 Months |
Dividend Rate 3.70% |
APY* 3.75% |
Term 12 Months |
Dividend Rate 4.67% |
APY* 4.75% |
Term 18 Months |
Dividend Rate 4.76% |
APY* 4.85% |
Term 24 Months |
Dividend Rate 4.86% |
APY* 4.95% |
Term 36 Months |
Dividend Rate 2.97% |
APY* 3.00% |
Term 48 Months |
Dividend Rate 3.02% |
APY* 3.05% |
Term 60 Months |
Dividend Rate 3.06% |
APY* 3.10% |
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.