Rates updated November 1, 2018

AccountsAPY*
Savings & Club Accounts
$1000 to $99,999.990.05%
$100,000 and Up0.10%
Funds Manager Account
$1,000 to $9,999.990.10%
$10,000 to $24,999.990.15%
$25,000 to $49,999.990.20%
$50,000 to $99,999.990.30%
$100,000 and Up0.50%
Checking Accounts
Smart Checking Meeting Criteria- $.01-$10,0002.00%
Smart Checking Meeting Criteria-Over $10,0000.15%
Smart Checking Balances that don't meet the criteria0.03%
Checking 0180.00%
IRAs (Individual Retirement Accounts)
Traditional & Roth0.30%
Coverdell ESA0.30%
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 DepositMinimum to OpenAPY*
Share Certificates of Deposit
3 months$10000.25%
6 months$10000.40%
12 months$10000.75%
15 months**$20,000- 50% new money2.75%
18 months$10000.90%
24 months$10001.10%
30 months$10001.30%
36 months$10001.60%
42 months***$20,000- 100% new money3.10%
48 months$10001.75%
60 months$10001.90%
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).

Share Truth In Savings Disclosures