Skip to main content
Important Notice: Bill Payment will be unavailable from 11:00pm EST Saturday, October 21 through 5:00am EST Sunday, October 22, 2017 for system maintenance. All other Online Banking services will be operational.
Log in

We're a non-profit. That means our members earn higher dividends.

Savings Account Rates

Effective Oct 1, 2017Print

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 .25% .25%
Money Market $1,000 $1,000-$14,999
$15,000-$34,999
$35,000-$49,999
$50,000+
.10%
.15%
.20%
.25%
.10%
.15%
.20%
.25%
IRA Savings $5 $5 .50% .50%
IRA Roth Savings $500 $500 1.00% 1.01%
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.

Smart Saver
Term Certificate Rates

Effective Oct 1, 2017Print

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 $1,000 1.15% 1.16%
36 Month Certificate $1,000 $1,000 1.40% 1.41%
48 Month Certificate $1,000 $1,000 1.65% 1.66%
60 Month Certificate $1,000 $1,000 1.85% 1.87%
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.
*APY = Annual Percentage Yield

Bump Up
Term Certificate Rates††

Effective Oct 1, 2017Print

Share Certificate Min. Balance to Open Min. Balance to Earn APY Dividend Rate APY*
48 Month Terms $1,000 $1,000 1.40% 1.41%
60 Month Terms $1,000 $1,000 1.60% 1.61%
††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.
*APY = Annual Percentage Yield

Pot of Gold
Term Certificate Rates†††

Effective Oct 1, 2017Print

Min. Weekly Deposit Term Dividend Rate APY*
$6/week 48 - 72 Months 1.00% 1.01%
$25/week 48 - 72 Months 2.00% 2.02%
†††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.
*APY = Annual Percentage Yield
Top