Savings Rates

Effective on 11/03/2014

SHARE AND IRA CERTIFICATES***
Term Minimum Deposit Rate APY
12 Months $500 .15 .15
$10,000 .35 .35
24 Months $500 .25 .25
$10,000 .50 .50
36 Months $500 .70 .70
$10,000 1.00 1.00
60 Months $500 .80 .80
$10,000 1.50 1.50

CD SPECIAL: New Deposits only

TERM 24 MONTHS

Deposit Rate
$25,000.00 Minimum 1.325%

Limited Time. These rates are for new money of funds not currently on deposit at the credit union only

These rates are available for a limited time and can change without further notice. Deposits are insured up to $250,000.00 by the National Credit Union Administration.

*** Average Percentage Yield. Dividends may be paid monthly and transferred to share, drafts, money market or club accounts or dividends may be compounded quarterly. Penalty for early withdrawal depends on term of certificate. Rates subject to change.

Account Type Minimum Deposit To
Earn Interest
Dividend Rate APY*
Share $500 – $999.99 .01 .01
$1000 – $2,499.99 .02 .02
$2,500.00 & Over .05 .05
Christmas and Vacation $250.00 .04 .04
Share Draft Checking* $2,500.00 .02 .02
Individual Retirement Account (IRA)** $25.00 .25 .25
Maxi Shares (Money Market)** $2,500 – $9,999.99 .05 .05
$10,000 – $49,999 .075 .075
$50,000 – $99,999 .20 .20
$100,000 & Over .30 .30
Youth Account $5.00 – Over .05 .05
Premier Checking* $2501.00 – $9,999 .025 .025
$10,000 – $49,999 .050 .050
$50,000 – $100,000 .075 .075
Above $100,000 .10 .10

* Annual Percentage Yield. Dividends are paid quarterly based upon the average daily balance for the quarter, all accounts must maintain an average daily balance of $250.00 to earn a dividend except share drafts which must maintain an average daily balance of $2,500.00 and Save-A-Saurus accounts, which must maintain a balance of $5.00. Accounts must be open at the end of the quarter to received dividend payment.

** $2,500 minimum daily balance. Dividends are paid monthly, deposits earn from date of deposit to date of withdrawal and the account must be open to received dividend payment.

* Member must have an IRA Share Account to open certificates. Dividends are compounded and paid quarterly on the anniversary date. Penalty for early withdrawal depends on the term of the certificate.

CERTIFICATE PENALTY
Term Penalty
12 or more months 180 days dividends earned or unearned

YIELD = The effective return on investments which results from the compounding of dividend payments within one year. Yield is affected by subsequent deposits or withdrawals.