Savings Account Rates
Effective Sep 1, 2024
| Account |
Min. Balance to Open |
Min. Balance to Earn APY |
Dividend Rate |
APY* |
| Regular Savings |
$10 |
$100 - $4,999
$5,000+ |
.10%
.15% |
.10%
.15% |
| uChoose Club Accounts |
$5 |
$5 |
.25% |
.25% |
| Secondary Savings |
$5 |
$100 |
.10% |
.10% |
| IRA Savings |
$5 |
$5 |
.25% |
.25% |
| IRA Roth Savings |
$500 |
$500 |
0.50% |
0.50% |
| Educational Savings |
$500 |
$500 |
1.25% |
1.26% |
*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. Fees could reduce earnings on an account.
Smart Saver
Term Certificate Rates†
Effective Sep 1, 2024
| Share & IRA Certificates |
Min. Balance
to Open |
Min. Balance
to Earn APY |
Dividend
Rate |
APY* |
| 6 Month Certificate |
$1,000 |
$1,000 |
3.93% |
4.00% |
| 12 Month Certificate |
$1,000 |
$1,000 |
3.45% |
3.50% |
| 24 Month Certificate |
$1,000 |
$1,000 |
2.96% |
3.00% |
| 36 Month Certificate |
$1,000 |
$1,000 |
3.20% |
3.25% |
| 48 Month Certificate |
$1,000 |
$1,000 |
2.75% |
2.78% |
| 60 Month Certificate |
$1,000 |
$1,000 |
2.75% |
2.78% |
| IRA Certificates |
$500 |
$500 |
Same as above |
Same as above |
| Jumbo Certificates |
$100,000 |
$100,000 |
Inquire at CU |
Inquire at CU |
†Smart Saver Term Share Certificate Balance Computation Method: 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. Fees could reduce earnings on an account.
*APY = Annual Percentage Yield
Money Market Account Rates
Effective Sep 1, 2024
| Balance |
Minimum Opening Balance |
Dividend Rate |
APY* |
| $1,000-$14,999 |
$1,000 |
.20% |
.20% |
| $15,000-$34,999 |
$1,000 |
.25% |
.25% |
| $35,000-$49,999 |
$1,000 |
.30% |
.30% |
| $50,000+ |
$1,000 |
.35% |
.35% |
*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. Fees may reduce earnings.
Bump Up
Term Certificate Rates††
Effective Sep 1, 2024
| Share Certificate |
Min. Balance to Open |
Min. Balance to Earn APY |
Dividend Rate |
APY* |
| 48 Month Terms |
$1,000 |
$1,000 |
2.65% |
2.68% |
| 60 Month Terms |
$1,000 |
$1,000 |
2.65% |
2.68% |
††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. Fees could reduce earnings on an account.
*APY = Annual Percentage Yield
Pot of Gold
Term Certificate Rates†††
Effective Sep 1, 2024
| Min. Weekly Deposit |
Term |
Dividend Rate |
APY* |
| $6/week |
48 - 72 Months |
1.00% |
1.00% |
| $25/week |
48 - 72 Months |
1.97% |
1.99% |
†††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. Fees could reduce earnings on an account.
*APY = Annual Percentage Yield
See our Account Fees & Disclosures for more information.
