Rates updated November 1, 2018
|Savings & Club Accounts
|$1000 to $99,999.99||0.05%|
|$100,000 and Up||0.10%|
|Funds Manager Account|
|$1,000 to $9,999.99||0.10%|
|$10,000 to $24,999.99||0.15%|
|$25,000 to $49,999.99||0.20%|
|$50,000 to $99,999.99||0.30%|
|$100,000 and Up||0.50%|
|Smart Checking Meeting Criteria- $.01-$10,000||2.00%|
|Smart Checking Meeting Criteria-Over $10,000||0.15%|
|Smart Checking Balances that don't meet the criteria||0.03%|
|IRAs (Individual Retirement Accounts)|
|Traditional & Roth||0.30%|
Restrictions: $1000 minimum to open Funds Manager. $100 minimum to open IRAs. 3 criteria needed for smart checking-receive e-statements; have one ACH deposit or withdrawal each calendar month; have 10 debit card transactions clear as signature based transaction each calendar month.
|Share or IRA Certificates of Deposit||Minimum to Open||APY*|
|Share Certificates of Deposit|
|15 months**||$20,000- 50% new money||2.75%|
|42 months***||$20,000- 100% new money||3.10%|
Restrictions: Share certificates of deposit pay on a 365 basis. $1000 minimum to open Share Certificates of deposit; Penalty for early withdrawal; $20 minimum to open Payroll Certificate; Payroll certificate rates use regular certificate rates to determine payroll certificate rate based on the term of the payroll certificate. All certificates can be IRA certificates.
**2.75%APY for 15 months Share Certificate Special. Minimum $20,000 with at least 50% of balance in new money to the credit union. Limit one per member. Cannot be combined with Loyalty Points. ***3.10%APY for 42 months Share Certificate Special. Minimum $20,000 with 100% of balance in new money to the credit union. Limit one per member. Cannot be combined with Loyalty Points.
*APY=Annual Percentage Yield. All rates are subject to change. Fees may reduce earnings. Dividends are computed daily and are posted at the end of the month with no compounding. *Deposits federally insured up to $250,000 by the National Credit Union Administration (NCUA) and an additional $250,000 by Excess Share Insurance (ESI).