Rates

Rates effective as of today

*APY=Annual Percentage Yield

Shares (Savings)

TypeAPY*
Shares/Savings - $0.00 - $24,999.99 0.02%
Shares/Savings - $25,000.00 - $49,999.990.04%
Shares/Savings - $50,000.00 - $74,999.990.06%
Shares/Savings - $75,000.00 - $99,999.990.08%
Shares/Savings - $100,000.00 - $149,999.990.15%
Shares/Savings - $150,000.00 - $249,999.990.25%
Shares/Savings - $250,000.00 & Above0.35%
Share Draft/Checking**0.05%
Second Chance Share Draft/Checking**0.05%
Christmas Club 0.10%
Vacation Club 0.10%
{Insert Name Here} Account 0.10%

Dividend Rates Expressed in *Annual Percentage Yield (APY). Rates Subject to Change. Fees May Reduce Earnings. Accrual of Dividends: For all accounts, dividends will begin to accrue on the business day you deposit the cash and/or non-cash items (e.g. checks) to your account. For all accounts, if you close your account before accrued dividends are credited; accrued dividends will not be paid.

*Primary Share Account requires a minimum opening deposit of $5.00

**Share Draft and 2nd Chance Draft require a minimum of $500 to earn stated dividend rate.

The purpose of the Second Chance checking is to offer those members who do not qualify for a non-fee checking the ability to have the service. The product will be offered to our members who currently have a beacon score of less than 550 and did not get approved through Chex Systems. Second Chance Checking comes with a $12 monthly service fee. Direct deposit is required. There will not be a fee the month the account is opened to allow the member time to set up the direct deposit. RATE SHEETS DO NOT REFLECT PROMOTIONAL RATES. PLEASE CONTACT THE CREDIT UNION FOR CURRENT PROMOTIONS.


Truth In Savings Disclosure

Money Market

TypeAPY*
Money Market

Balances: $0.00 - $25,000.00

0.10%
Money Market

Balances: $25,000.00 - $49,999.99

0.20%
Money Market

Balances: $50,000.00 - $74,999.99

0.20%
Money Market

Balances: $75,000.00 - $99,999.99

0.20%
Money Market

Balances: $100,000.00 - $149,999.99

0.20%
Money Market

Balances: $150,000.00 - $249,999.99

0.20%
Money Market

Balances: $250,000.00 +

0.35%

Dividend Rates Expressed in *Annual Percentage Yield (APY). RATE SHEETS DO NOT REFLECT PROMOTIONAL RATES. PLEASE CONTACT THE CREDIT UNION FOR CURRENT PROMOTIONS. Rates Subject to Change. Fees May Reduce Earnings. $500 Minimum to balance required to earn the annual percentage yield. Accrual of Dividends: For all accounts, dividends will begin to accrue on the business day you deposit the cash and/or non-cash items (e.g. checks) to your account. For all accounts, if you close your account before accrued dividends are credited; accrued dividends will not be paid.


Truth In Savings Disclosure

Certificates

TERM IN MONTHSSTANDARD CERTIFICATE APY*

$500 - $99,999.99

JUMBO CERTIFICATE APY*

$100,000 - $249,999.99

JUMBO PLUS CERTIFICATE APY*

$250,000+

3 .15%.15%.15%
6.20%.23%.25%
12.35%.45%.55%
18.40%.55%.70%
24.55%.73%.90%
30.60%.75%.90%
36.75%.98%1.20%
48.90%1.13%1.36%
601.10%1.50%1.90%

Dividend Rates Expressed in *Annual Percentage Yield (APY). $500 minimum deposit required to earn stated annual percentage yield. Accrual of Dividends: For all accounts, dividends will begin to accrue on the business day you deposit the cash and/or non-cash items (e.g. checks) to your account. For all accounts, if you close your account before accrued dividends are credited; accrued dividends will not be paid.


Early withdrawal penalties: For Fixed Share Certificate Accounts, members agree to keep funds on deposit for a fixed period of time. Unless otherwise provided, partial withdrawals and additional deposits are not permitted. If we permit an early withdrawal of principal from a certificate, we may impose an early withdrawal penalty. Tax penalties also may apply to premature distributions from IRAs. If we permit a withdrawal of principal before the stated maturity, we may impose a penalty equal to six months of dividends payable over the term of the certificate whether earned or unearned. The penalty will be assessed based upon the portion of the principal that is withdrawn. We may elect not to impose a penalty for a withdrawal of principal following the death or adjudication of incompetence of any account owner if the account was opened before such adjudication and not extended or renewed after that date.


Truth In Savings Disclosure

Certificates & IRAs

TypeTitleAPY*
Share Certificates 3 Months 0.15%
6 Months 0.20%
12 Months0.35%
18 Months 0.40%
24 Months 0.55%
30 Months 0.60%
36 Months 0.75
48 Months 0.90%
60 Months 1.10%
IRA Traditional 0.35%
Roth 0.35%
Traditional IRA Certificate 36 Months 0.70%
48 Months 0.85%
60 Months 1.00%
Roth Certificate 36 Months 0.70%
48 Months0.85%
60 Months 1.00%

Dividend Rates Expressed in *Annual Percentage Yield (APY). $500 minimum deposit required to earn stated annual percentage yield. Accrual of Dividends: For all accounts, dividends will begin to accrue on the business day you deposit the cash and/or non-cash items (e.g. checks) to your account. For all accounts, if you close your account before accrued dividends are credited; accrued dividends will not be paid.


Early withdrawal penalties: For Fixed Share Certificate Accounts, members agree to keep funds on deposit for a fixed period of time. Unless otherwise provided, partial withdrawals and additional deposits are not permitted. If we permit an early withdrawal of principal from a certificate, we may impose an early withdrawal penalty. Tax penalties also may apply to premature distributions from IRAs. If we permit a withdrawal of principal before the stated maturity, we may impose a penalty equal to six months of dividends payable over the term of the certificate whether earned or unearned. The penalty will be assessed based upon the portion of the principal that is withdrawn. We may elect not to impose a penalty for a withdrawal of principal following the death or adjudication of incompetence of any account owner if the account was opened before such adjudication and not extended or renewed after that date.


Truth In Savings Disclosure

Visa

TypeAPR*
Visa® Credit Card as low as 5.95%

The APR* shown above reflects the current minimum Annual Percentage Rate offered. The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio, and aggregate credit score. Variable Rate The ANNUAL PERCENTAGE RATE is subject to change monthly on the first day of the billing cycle to reflect any change in the index and will be determined by the Prime Rate as of the last day of the previous month as published in the Wall Street Journal "Money Rates" table to which we add a margin. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the credit union will choose a new index which is based upon comparable information. Please contact one of our financial advocates to determine the rate and term for which you qualify. Rates may change without notice. Foreign transaction fees may apply. Not all applicants will qualify.



RATE SHEETS DO NOT REFLECT PROMOTIONAL RATES. PLEASE CONTACT THE CREDIT UNION FOR CURRENT PROMOTIONS.