SHARE ACCOUNT (Savings)
- A share account with a minimum of $25.00 deposit is needed in order to be a member of the credit union.
- Dividends are compounded and paid quarterly.
- A member must have the minimum balance of $100.00 to earn the stated annual percentage yield.
Please refer to Truth-In-Savings Disclosure for more information.
SHARE DRAFT ACCOUNT (Checking)
- There must be a minimum of $500.00 balance in the account in order to avoid a monthly service fee of $5.00.
- Minimum balance to earn the stated annual percentage yield is $500.00.
- Interest is compounded and credited monthly.
Please refer to for Truth-In-Savings Disclosure more information.
CHRISTMAS CLUB SAVINGS ACCOUNT
- Minimum balance of $10
- Accounts with up to $5,000 will have an APR of 1.25%
- Accounts with more than $5,001 will have an APR of 0.15%
- Interest earned on the daily balance and compounded into the savings account annually on November 1st.
CERTIFICATE OF DEPOSIT
- A certificate of deposit allows our members to lock in their funds for a specified term and earn a higher dividend rate than the share account rate.
- The minimum opening deposit for a 1 year or more term is $500.00
CURRENT RATES
| Effective 01/01/2021 | ||
|---|---|---|
| Rate | APY* | |
| Regular Shares | 0.10% | 0.10% |
| *Minimum balance of $100.00 to earn dividends | ||
| Share Draft | 0.05% | 0.05% |
| *Minimum balance of $100.00 to earn dividends | ||
| Christmas Club | ||
| Up to $5,000 | 1.25% | 1.25% |
| Over $5,001 | 0.15% | 0.15% |
| *Minimum balance of $10.00 | ||
| Term Share Certificates eff. 10/26/22 | Rate | APY* |
| 1 Year | 2.05% | 2.066% |
| 2 Years | 2.28% | 2.300% |
| (A penalty may be imposed for early withdrawal)
*Annual Percentage Yield |
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