Term Certificates | Money Market Savings | Other Savings | Business Checking | Important Info for Business Accounts | Business Services Fees
Effective: October 1, 2025
| Term | APY* (%) | Dividend Rate (%) | Minimum Balance^ |
|---|---|---|---|
| 6-month paid monthly | 4.50 | 4.40 | $2,000 |
| 1-year paid monthly | 2.00 | 1.98 | $500 |
| 13-month paid monthly | 4.25 | 4.16 | $10,000 |
| 18-month paid monthly | 2.26 | 2.23 | $500 |
| 2-year paid monthly | 2.50 | 2.47 | $500 |
| 25-month paid monthly | 3.75 | 3.68 | $10,000 |
| 30-month paid monthly | 2.75 | 2.71 | $500 |
| 3-year paid monthly | 3.25 | 3.20 | $500 |
| 4-year paid monthly | 3.00 | 2.96 | $500 |
| 5-year paid monthly | 3.00 | 2.96 | $500 |
| 6-year paid monthly | 3.00 | 2.96 | $500 |
*APY = Annual Percentage Yield. APY is based on the assumption that dividends will remain on deposit until maturity. Early withdrawals will reduce earnings. Fees can reduce earnings on the account. APY is accurate as of the last dividend declaration.
^Minimum balance is required to open and maintain the account and earn the APY.
Must have at least one ownership share on deposit in a Membership Savings account to open additional products.
Effective: October 1, 2025
| Balance | APY* (%) | Dividend Rate (%) |
|---|---|---|
| $0.01 - $999.99 | 0.60 | 0.60 |
| $1,000 - $9,999.99 | 0.60 | 0.60 |
| $10,000 - $24,999.99 | 1.50 | 1.49 |
| $25,000 - $49,999.99 | 2.00 | 1.98 |
| $50,000 - $74,999.99 | 2.50 | 2.47 |
| $75,000 - $249,999.99 | 3.00 | 2.96 |
| $250,000 and over | 3.50 | 3.45 |
*APY = Annual Percentage Yield. APY is accurate as of last dividend declaration date.
$1,000 minimum balance required to avoid paying a $10 monthly service charge.
$0.01 minimum balance is required to earn APY.
Fees may reduce earnings.
Effective: October 1, 2025
| Type | APY* (%) | Dividend Rate (%) |
|---|---|---|
| Membership, Savings | 0.40 | 0.40 |
*APY = Annual Percentage Yield. APY is accurate as of last dividend declaration date.
$5 minimum balance required to open and maintain a savings account.
$0.01 minimum balance required to earn the APY.
Fees may reduce earnings.
Effective: October 1, 2025
| Balance | APY* (%) | Dividend Rate (%) |
|---|---|---|
| $0.01 - $999.99 | 0.00 | 0.00 |
| $1,000 - $9,999.99 | 0.20 | 0.20 |
| $10,000 - $24,999.99 | 0.20 | 0.20 |
| $25,000 and over | 0.20 | 0.20 |
*APY = Annual Percentage Yield. APY is accurate as of last dividend declaration date.
$2,500 minimum balance is required to avoid paying a $10 monthly service charge.
$1,000 minimum balance is required to earn APY.
Fees may reduce earnings.
Effective: October 1, 2025
| Balance | APY* (%) | Dividend Rate (%) |
|---|---|---|
| $0.01 - $999.99 | 0.00 | 0.00 |
| $1,000 - $9,999.99 | 0.20 | 0.20 |
| $10,000 - $24,999.99 | 0.20 | 0.20 |
| $25,000 and over | 0.20 | 0.20 |
*APY = Annual Percentage Yield. APY is accurate as of last dividend declaration date.
$1,000 minimum balance is required to earn APY.
Fees may reduce earnings.
Terms and conditions subject to change without notice.
Ownership Share: A $5.00 ownership share is required in the Membership Savings. This account must be established in order to open any additional products or services. The $5.00 will not be accessible for withdrawals or overdraft transfer, but will continue to earn dividends.
Dividend Rate Changes:
Savings and checking accounts—Rates can vary after the account is opened. Terms and conditions subject to change without notice.
Certificates—Rates in effect at purchase are consistent through maturity.
Early withdrawal penalties on certificates: Terms of 1 year or less, the penalty is 90 days’ dividends or all dividends earned, whichever is less.
Terms greater than 1 year, the penalty is 180 days’ dividends or all dividends earned, whichever is less.
Compounding Method:
Savings – compounded monthly, paid monthly
Certificates – compounded daily, paid monthly
Dividends begin to accrue on the business day your deposit of cash, checks and other noncash items is processed.
Dividends are based on the Credit Union’s earnings and cannot be guaranteed. They are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day.
Shared Branch: Cash back on all transactions may be limited to $1,000 per guest member, per day. All checks presented for deposit with cash back will be processed based on the balance of available funds in the account prior to the transaction.
The Credit Union reserves the right to require you to give notice in writing of any intended withdrawals from any account of not less than 7 days and up to 60 days in accordance with applicable law before such withdrawal.
