Account Rates

 

*Specials*
Account Dividend Rate APY**
No Special Term Certificates - Min. $500 0.00% 0.00%
***Certificates are subject to early withdrawal penalty of 90-270 days dividends. Based on Term

Member Share/Savings
Account Dividend Rate APY**
Member Share Balance $100+ 0.100% 0.100%

Special Club Savings
Account Dividend Rate APY**
Youth Club - Balance $5 & up .100% .100%
Christmas Club - Balance $5 & up .499% .500%
Vacation Club - Balance $5 & up .100% .100%

Share Draft/Checking
Account Dividend Rate APY**
Business Plus Checking - Balance $500 & up 0.050% 0.050%
Premium ($0.01+) & Premium Rate ($10,000.01+) 0.080% 0.080%
Premium Rate Checking***** ($0.01 - $10,000.00) 1.490% 1.500%

Variable Money Market/Checking
Account Dividend Rate APY**
Tier I -- $1,000 - $24,999.99 1.292% 1.300%
Tier II -- $25,000 - $49,999.99 1.539% 1.550%
Tier III -- $50,000 - $99,999.99 1.785% 1.800%
Tier IV -- $100,000 to $249,999.99 2.080% 2.100%
Tier V -- $250,000 & OVER 3.445% 3.500%
****Dividends forfeited if closed early. Dividends paid last day of month

IRAs and HSAs
Account Dividend Rate APY**
Roth IRA Share - Min. $50 .250% .250%
Traditional IRA Share - Min. $50 .250% .250%
HSAs - Balance $1,000 & up .250% .250%

Share/CD & IRA Certificates
Account Dividend Rate APY**
12 Months Certificate - Min. $500 3.844% 3.900%
24 Months Certificate - Min. $500 3.3406% 3.450%
36 Months Certificate - Min. $500 2.967% 3.000%
48 Months Certificate - Min. $500 2.722% 2.750%
60 Months Certificate - Min. $500 2.722% 2.750%
***Certificates are subject to an early withdrawal penalty of 90-270 days dividends. Based on Term

*APR = Annual Percentage Rate
**APY = Annual Percentage Yield
***Share Certificates: A penalty will or may be imposed for early withdrawal.
****Dividends forfeited if closed early.
*****Must qualify every month to earn higher dividend rate. Will earn lower dividend rate regardless.

Rates are effective as of 12/04/2024 and are subject to change without notice.

If you're new to credit unions, some words might sound different from what you're used to at regular banks. Don't worry! Here's a quick guide to help you understand what these terms mean.

  • Member vs. Customer

    • Credit Union: An account holder at a credit union who essentially owns a piece of the credit union.

    • Bank: Referred to as a "customer" or "account holder."

  • Share Accounts vs. Savings Accounts

    • Credit Union: Deposit accounts reflecting the idea that members have a share in the institution.

    • Bank: Referred to as "checking" or "savings" accounts.

  • Share Certificates vs. CDs

    • Credit Union: Time deposits with specific terms and interest rates.

    • Bank: Referred to as "Certificates of Deposit (CDs)."

  • Dividends vs. Interest

    • Credit Union: Dividends are paid from earnings to members.

    • Bank: Called "interest."

  • Draft Accounts vs. Checking Accounts

    • Credit Union: Often refers to checking accounts.

    • Bank: Known as "checking accounts."

  • NCUA vs. FDIC

    • Credit Union: The NCUA provides deposit insurance through the National Credit Union Share Insurance Fund (NCUSIF).

    • Bank: Deposit insurance is provided by the FDIC.