Savings & Rates

Premium & Heritage Checking

Checking that earns interest. Sometimes it’s just not convenient to transfer funds from your savings to checking all the time. For those who want to keep a higher balance in their checking account we have tiered rates on our interest earning checking accounts.

Dividends and Annual Percentage Yields are calculated on the daily balance and paid monthly for the tiered rates on the incremental plateaus as follows:

Prime Savings Rate APY (Annual Percentage Yield)

$0 to $1499 0.00% 0.00%

$1,500 to $4,999 0.10% 0.10%

$5,000 to $14,999 0.20% 0.20%

$15,000 to $29,999 0.20% 0.20%

$30,000 and UP 0.30% 0.30%

Effective March 1, 2014. All rates are subject to change without notice.​

Prime Savings

Begin earning interest on balances as low as $50. Prime Savings can be linked to your Prime Checking account and can be used to provide overdraft protection as well.

Dividends and Annual Percentage yields are calculated on the average daily balance and paid monthly for the tiered rates on the whole balance as follows:

Prime Savings Rate APY (Annual Percentage Yield)

$0 – $49  0.00% 0.00%

$50 – $999  0.10% 0.10%

$1000 – $9,999  0.10% 0.10%

$10000 – $49,999 0.20% 0.20%

$50000 – $69,999  0.20% 0.20%

$70000 –  up  0.30% 0.30%

Effective March 1, 2014. All rates are subject to change without notice.​

Small Saver Accounts

Earns like a CD with as little as $2,000. Perfect when you want to invest $2,000 for a set time and still earn a great return.

– $2,000 minimum
– Dividends paid monthly
– No additions are permitted after the account is opened.

Small Saver Accounts Rate APY (Annual Percentage Yield)

6 months 0.25% 0.25%

12 months 0.45% 0.45%

24 months 0.80% 0.81%

36 months 1.10% 1.12%

Effective March 1, 2014. All rates are subject to change without notice.​

Flex Certificate Accounts

Need something more flexible than a traditional CD? Certificate accounts with the added flexibility of up to 8 transactions. Deposit $4,000 minimum to $20,000 maximum for great certificate returns and make up to 8 transactions (withdrawals or deposits) during the term of the certificate.

Flex Certificate Accounts Rate APY (Annual Percentage Yield)

6 months 0.10% 0.10% (6 transactions)

12 months 0.10% 0.10% (6 transactions)

24 months 0.20% 0.20% (6 transactions)

36 months 0.40% 0.41% (8 transactions)

Effective March 1, 2014. All rates are subject to change without notice.​

Share Certificate Accounts

Invest with confidence. $10,000 minimum. Dividends paid monthly.

Share Certificate Accounts Rate APY (Annual Percentage Yield)

6 months 0.40% (0.40% comp.)

12 months 0.50% (0.50% comp.)

24 months 0.75% (0.76% comp.)

36 months 1.05% (1.06% comp.)

Effective March 1, 2014. All rates are subject to change without notice.​

Jumbo Certificate Accounts

Larger investments deserve larger returns. Competitive certificate rates for balances $100,000 or above.

Jumbo Certificate Accounts Rate APY (Annual Percentage Yield)

6 months 0.45% (0.45% comp.)

12 months 0.55% (0.55% comp.)

24 months 0.80% (0.81% comp.)

36 months 1.10% (1.11% comp.)

Effective March 1, 2014. All rates are subject to change without notice.​

IRAs

Invest in your future. Fixed and variable rate investments for your retirement account.

IRA – Variable $50 minimum. The current dividend rate is .75% with an Annual Percentage Yield of 0.76%. Dividends are paid monthly on the average daily balance. The term for your deposit is 18 months and there is a 180 day loss of dividends for early withdrawal. You may, however, move the funds into a fixed IRA certificate at this credit union at any time. Additional deposits may be made and can be arranged on a payroll deduction method.

IRA – FIXED CERTIFICATE Available at the same rates and terms as listed for our $100K certificates regardless of the amount deposited. Fixed IRA Certificates are available for a minimum amount of $2,000.

Effective March 1, 2014. All rates are subject to change without notice.​

Youth Accounts

Teach your kids to be lifelong savers. Kids can watch their balance grow as they learn good saving habits.

The minimum opening balance and low balance fee is waived for Youth Savings Accounts owned by members under the age of 28. No withdrawals are allowed until the account reaches the minimum account balance of $25. The current dividend rate is .50% with an annual percentage yield of .50%.

Effective March 1, 2014. All rates are subject to change without notice.​

Youth CD “Flex-Builder”

12 month term. 0.75% APR with up to 6 deposits during the term. Minimum amount to start is $100.00 up to a maximum of $2500.00.

Effective March 1, 2014. All rates are subject to change without notice.​

Christmas Club

Love Christmas shopping but hate the bills? With as little as $5.00 you can open a Christmas Club account and save all year for Christmas. Payroll deduction transfers are available to make depositing easy.

$5 minimum. Disbursements are made during the first week of October for all but $5 in the account. This account will continue every year as long as you continue to make deposits Payroll deduction transfers are available.

Christmas Club Rate APY (Annual Percentage Yield)

$0 to $49 0.00% 0.00%

$50 to $999 0.10% 0.10%

$1,000 to 9,999 0.20% 0.20%

$10,000 to $49,999 0.20%

$50,000 to $69,999 0.20%

$70,000 and up 0.30%

Effective March 1, 2014. All rates are subject to change without notice.​