Savings & Checking

Savings Rates

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Effective: September 1, 2017
Share Savings Accounts*Min. Balance
to Open
Min. Balance
to Earn APY
Dividend
Rate
APY
Regular Share Savings$10$100 - $4,999
$5,000 and above
.10%
.15%
.10%
.15%
Share Draft/Checking$0N/AN/AN/A
Club Accounts/Secondary Share$5$5/$100.25%.25%
Money Market$1,000$1,000 - $14,999
$15,000 - $34,999
$35,000 - $49,999
$50,000 and above
.10%
.15%
.20%
.25%
.10%
.15%
.20%
.25%
IRA Share Savings$5$5.50%.50%
IRA Roth Share Savings$500$5001.00%1.01%
Educational Share Savings$500$5001.25%1.26%
APY = Annual Percentage Yield

Smart Saver Term
Share & IRA Certificates+
Min. Balance
to Open
Min. Balance
to Earn APY
Dividend
Rate
APY
6 Month Certificate$1,000$1,000.40%.40%
12 Month Certificate$1,000$1,000.85%.85%
24 Month Certificate$1,000$1,0001.15%1.16%
36 Month Certificate$1,000$1,0001.40%1.41%
48 Month Certificate$1,000$1,0001.65%1.66%
60 Month Certificate$1,000$1,0001.85%1.87%
IRA Certificates$500$500Same as aboveSame as above
Jumbo Certificates$100,000$100,000Inquire at CUInquire at CU
APY = Annual Percentage Yield

Bump Up Term
Share Certificates++
Min. Balance
to Open
Min. Balance
to Earn APY
Dividend
Rate
APY
48 Month Terms$1,000$1,0001.40%1.41%
60 Month Terms$1,000$1,0001.60%1.61%
APY = Annual Percentage Yield

Pot of Gold
Term Share Certificates+++
Min. Weekly
Deposit
Min. Balance
to Earn APY
Dividend
Rate
APY
Pot of Gold >A=
48 - 72 Month Terms
$6/weekly$01.00%1.01%
Pot of Gold >B=
48 - 72 Month Terms
$25/weekly$02.00%2.02%
APY = Annual Percentage Yield

*Share Account dividends are compounded and paid monthly. Dividend Rate and APYs are variable and are subject to change. If you close your share account prior to the payment of dividends, you will not receive the accrued dividend.

+Smart Saver Term Share Certificate Balance Computation Method: Daily Balance. Dividend Accrual: Dividends earned from day of deposit to day of withdrawal. Dividend accrual on non-cash deposits will begin on the day of deposit. Fees: No service fees. Early Withdrawal: Penalty for withdrawal of funds other than dividends prior to maturity is 90 days of dividends earned. Maturity: Rate is fixed for the term of the certificate. Notice of maturity is mailed fifteen (15) days prior to maturity date, stating the certificate will automatically renew. Withdrawal or transfer of certificate funds is permitted within a five (5) day period following the maturity date. Transaction Limits: After the account is opened, deposits into or withdrawals from the account are not permitted until maturity.

++Bump Up Term Share Certificates allow you to "bump up” your dividend rate by requesting a one-time rate increase during the maturity term to the prevailing rate for the same term. Dividends are earned from day of deposit to day of withdrawal and are paid and compounded monthly. A penalty may apply for early withdrawal. Rate is fixed for the term of the certificate with the added allowance of one rate increase to the prevailing rate of the same term during the maturity period.

+++Pot of Gold Term Share Certificate dividends are compounded and paid quarterly. Dividend Rate and APYs are variable and subject to change. A penalty will apply for early withdrawal of any funds before maturity. Opening deposit must be equal to contracted deposit amount.

Certain fees and charges may apply to your share or certificate account as disclosed on the current Schedule of Fees. Assessed fees may reduce earnings.