Page Header

Online Services

Truth In Savings

Coverdell ESA Savings Rates

Rates Effective: March 1, 2017
Balance Tiers (Portion of Balance) Annual Percentage Yield (APY) Range Dividend Rate
Share Savings $0 but less than $2,500.00 0.05% 0.05%
$2,500.00 but less than $10,000.00 0.05% - 0.07% 0.07%
$10,000.00 but less than $25,000.00 0.07% - 0.07% 0.08%
$25,000.00 but less than $50,000.00 0.07% - 0.08% 0.09%
$50,000.00 and over 0.08% - 0.10% 0.10%

IRA Share Rates (Traditional & Roth)

Rates Effective: March 1, 2017 Back to top
Balance Tiers (Portion of Balance) Annual Percentage Yield (APY) Range Dividend Rate
Share Savings $0 but less than $2,500.00 0.05% 0.05%
$2,500.00 but less than $10,000.00 0.05% - 0.07% 0.07%
$10,000.00 but less than $25,000.00 0.07% - 0.07% 0.08%
$25,000.00 but less than $50,000.00 0.07% - 0.08% 0.09%
$50,000.00 and over 0.08% - 0.10% 0.10%

Personal Checking Account Rates

Rates Effective: March 1, 2017 Back to top
Annual Percentage Yield (APY) Aniticipated Dividend Rate
Relationship PLUS Checking
Average daily balance of $10,000 must be maintained to earn dividends
0.05% 0.05%

Jumbo Share Certificate Rates

Rates Effective: March 17, 2017 View all deposit rates.
Term Minimum Deposit Annual Percentage Yield (APY) Dividend Rate
12-month $50,000 0.56% 0.56%
12-month $100,000 0.64% 0.64%
18-month $50,000 0.56% 0.56%
18-month $100,000 0.64% 0.64%
24-month $50,000 1.03% 1.02%
24-month $100,000 1.11% 1.10%
36-month rate $50,000 1.38% 1.37%
36-month rate $100,000 1.46% 1.45%
48-month rate $50,000 1.63% 1.62%
48-month rate $100,000 1.71% 1.70%
NEW! Featured Rate
60-month rate
$50,000 2.04% 2.02%
NEW! Featured Rate
60-month rate
$100,000 2.12% 2.10%

Share Certificate Rates

Rates Effective: March 17, 2017 View all deposit rates.
Term Minimum Deposit Annual Percentage Yield (APY) Dividend Rate
6-month $500 0.40% 0.40%
12-month $1,000 0.54% 0.54%
15-month $250 0.40% 0.40%
18-month $1,000 0.54% 0.54%
24-month $1,000 1.01% 1.00%
36-month rate $1,000 1.36% 1.35%
48-month rate $1,000 1.61% 1.60%
NEW! Featured Rate
60-month rate
$1,000 2.02% 2.00%

Money Management Account Rates

Rates Effective: March 1, 2017 Back to top
Balance Tiers (Portion of Balance) Annual Percentage Yield (APY) Dividend Rate
Money Management $0 but less than $2,500.00 0.08% 0.08%
$2,500.00 but less than $10,000.00 0.08% - 0.12% 0.13%
$10,000 or more 0.12% - 0.18%  0.18%
Money Management Plus $0 but less than $25,000.00  0.21%  0.21%
$25,000.00 but less than $50,000.00  0.21% - 0.24%  0.26%
$50,000 or more  0.24% - 0.31%  0.31%

*APY = Annual Percentage Yield 
1 Additional deposits allowed in increments of $50.00 
† IRAs, Money Management Plus and Special Offers not available for business accts.

Share Savings, IRA/Coverdell Education Share, Holiday Club and Vacation Club Accounts

Dividend is compounded: Quarterly; day of deposit to day of withdrawal and posted quarterly. The dividend period is quarterly.

Dividend based on: Daily Balance.

Dividend rate: Variable; declared at the close of the dividend period by the Board of Directors and subject to change at any time.

Conditions: Dividend rates are tiered. For daily balance, an interest rate of ___% (see rate sheet) will be paid on the portion of the daily balance that is greater than $0, but less than $2,500.00. An interest rate of ___% (see rate sheet) will be paid on that portion of your daily balance that is greater than $2,500, but less than $10,000.00. An interest rate of ___% (see rate sheet) will be paid on that portion of your daily balance that is greater than $10,000, but less than $25,000.00. An interest rate of ___% (see rate sheet) will be paid on that portion of your daily balance that is greater than $25,000, but less than $50,000.00. An interest rate of ___% (see rate sheet) will be paid on that portion of your daily balance that is greater than $50,000. Limit of six (6) electronic funds transfers per month.

Share Savings – minimum balance of $5.00 required to obtain credit union membership. Par value is $5.00. Limit of six (6) electronic funds transfers per month.

Holiday Club – funds withdrawn prior to October 31 result in the account being closed. Account automatically renews each year unless credit union is notified in writing. In early November, funds will be transferred to sub-account designated by member.

Vacation Club – renews each year unless the credit union is notified in writing. Two (2) withdrawals are permitted each calendar year.

Penalty/Early Withdrawal: If account is closed prior to the end of the quarter, no dividends will be paid for that quarter.

Relationship Plus Checking

Dividend is compounded: Monthly; day of deposit to day of withdrawal and posted monthly. The dividend period is monthly.

Dividend based on: Average Daily Balance. Average daily balance is calculated by adding principal in the account for each day of the period and dividing that figure by the number of days in the period.

Dividend rate: Variable; declared at the close of the dividend period by the Board of Directors and is subject to change at any time.

Conditions: Average daily balance of $10,000 must be maintained to obtain the disclosed annual percentage yields. The credit union reserves the right to close any checking/share draft account for excessive overdrafts.

Penalty/Early Withdrawal: If the account is closed prior to the end of the month, no dividends will be paid for that month.

Money Management Account

Dividend is compounded: Monthly; day of deposit to day of withdrawal and posted monthly. The dividend period is monthly.

Dividend based on: Average Daily Balance. Average daily balance is calculated by adding principal in the account for each day of the period and dividing that figure by the number of days in the period.

Dividend rate: Variable; subject to change at any time by the Board of Directors.

Conditions: Average daily balance of $2,500 must be maintained to obtain the disclosed annual percentage yields. Dividend rates are tiered. For an average daily balance, which is equal to or greater than $2,500, an interest rate of ___% (see rate sheet) will be paid on the portion of the average daily balance that is greater than $0, but less than $2,500.00. An interest rate of ___% (see rate sheet) will be paid on that portion of your average daily balance that is greater than $2,499.99, but less than $10,000.00. An interest rate of ___% (see rate sheet) will be paid on that portion of your average daily balance that is greater than $9,999.99. Limit of six (6) electronic funds transfers per month.

Penalty/Early Withdrawal: If the account is closed prior to the end of the month, no dividends will be paid for that month. All accounts above: 

  • Rate is variable; dividend rate and annual percentage yield may change at any time.
  • Dividends are paid from available earnings after transfers to required reserves and cannot be guaranteed.
  • Dividends begin to accrue on all deposits (including non- Cash deposits) on the same day they are deposited.

Money Management Plus Account

Dividend is compounded: Monthly; day of deposit to day of withdrawal and posted monthly. The dividend period is monthly.

Dividend based on: Daily Balance.

Dividend rate: Variable; subject to change at any time by the Board of Directors.

Conditions: Daily balance of $10,000 must be maintained to obtain the disclosed annual percentage yields. Dividend rates are tiered. For daily balance, which is equal to or greater than $10,000, an interest rate of ___% (see rate sheet) will be paid on the portion of the daily balance that is greater than $0, but less than $25,000.00. An interest rate of ___% (see rate sheet) will be paid on that portion of your daily balance that is greater than $24,999.99, but less than $50,000.00. An interest rate of ___% (see rate sheet) will be paid on that portion of your daily balance that is greater than $49,999.99. Limit of six (6) electronic funds transfers per month.

Penalty/Early Withdrawal: If the account is closed prior to the end of the month, no dividends will be paid for that month. All accounts above:

  • Rate is variable; dividend rate and annual percentage yield may change at any time.
  • Dividends are paid from available earnings after transfers to required reserves and cannot be guaranteed.
  • Dividends begin to accrue on all deposits (including non-cash deposits) on the same day they are deposited.

Share Certificates, Jumbo Share/IRA Certificates, IRA/Coverdell Education Share Certificates - 6-month, 12-month, 15-month, 18-month, 24-month, 30-month special; 36-month, 48-month, 60-month (6-month, 15-month, not available as Jumbo Share Certificates; 30-month not available as Coverdell).

Dividend is compounded: Daily; posted quarterly. 6-month – No compounding; simple interest; accrues to maturity.

Dividend based on: Daily Balance.

Dividend Rate: Fixed for term of share certificate.

Conditions: Additional deposits not permitted, except for 15-month. Dividend options 12-month, 15-month, 18-month, 24-month, 36-month, 48 month, and 60-month; a) add to certificate or b) post to sub-account. 6-month – accrues to maturity and posted to share certificate upon maturity.

Penalty/Early Withdrawal: 12-Months or less– Penalty 90 days dividends, whether earned or not. More than 12-Months – Penalty is 180 days dividends whether earned or not. If dividends have not been earned, the penalty will be deducted from the principal balance. Any withdrawal will trigger forfeiture of the certificate. At the direction of the account holder, the remaining funds from the certificate may be used to open a new certificate at the current rate and term.

Other: If compounding occurs, the annual percentage yield assumes dividends remain in the account until maturity and that a withdrawal will reduce earnings. Share certificates will renew automatically at maturity penalty (30-month will renew for 36-month). There is seven business day grace period to withdraw funds after maturity date without penalty.

Penalties for early withdrawal may be waived in the event of death of the member/owner or a required IRA distribution. Dividends begin to accrue on all deposits (including non-cash deposits) on the same day they are deposited.

No account is transferable. We reserve the right to classify an account as dormant after no transaction activity for 36 months. Individual Retirement Accounts - consult your tax advisor concerning your IRA account situation; early withdrawals may be subject to federal tax and penalty. See Schedule of Fees for related charges.
Revised 2/2015