Rate Information

Certificate of Deposit (CD’s)

Share Certificates ($1000 minimum); Traditional IRA ($1000 minimum) & Roth IRA ($1000 minimum) Certificates

Rates as of 6/30/2015.
Rate Description Term Dividend Rates APY*
$1,000 – $9,999 6 mos 0.30% 0.30%
$1,000 – $9,999 12 mos 0.50% 0.50%
$1,000 – $9,999 24 mos 0.70% 0.70%
$1,000 – $9,999 36 mos 0.90% 0.90%
$10,000 & over 6 mos 0.70% 0.70%
$10,000 & over 12 mos 0.90% 0.90%
$10,000 & over 24 mos 1.10% 1.10%
$10,000 & over 36 mos 1.20% 1.20%

*Annual Percentage Yield – Fees may effect APY Certificate rates are subject to change daily.
The minimum certificate purchase is $500.00 for Non-IRA, Traditional and Roth IRAs and $400.00 for Education IRAs. An additional $100.00 must be maintained in the Regular Share Account or the applicable IRA Share Account during the entire term of the certificate. Dividends on all regular and IRA certificates are compounded within the certificate each month. The early withdrawal penalty for certificates of one year or less original maturity is all earned dividends up to a maximum of 3 months earnings. For certificates with original maturities longer than one year, the early withdrawal penalty is all dividends earned up to a maximum of 6 months earnings. Notice: Dividends are based on the credit union’s earnings at the end of a dividend period and cannot be guaranteed.

Savings/Shares Rates

Rates as of 6/30/2015.
Rate Description Term Dividend Rates APY*
$250 – $1,999 quarterly 0.05% 0.05%
$2,000 – $4,999 quarterly 0.15% 0.15%
$5,000 – $9,999 quarterly 0.20% 0.20%
$10,000 & over quarterly 0.25% 0.25%

Members should call the credit union to verify rates. Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

IRAs

Rates as of 6/30/2015.
Rate Description Term Dividend Rates APY*
$1,000 – $9,999 6 mos 0.30% 0.30%
$1,000 – $9,999 12 mos 0.50% 0.50%
$1,000 – $9,999 24 mos 0.70% 0.70%
$1,000 – $9,999 36 mos 0.90% 0.90%
$10,000 & over 6 mos 0.70% 0.70%
$10,000 & over 12 mos 0.90% 0.90%
$10,000 & over 24 mos 1.10% 1.10%
$10,000 & over 36 mos 1.20% 1.20%

Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.
APR refers to the annual percentage rate or the dividend rate.
APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.