Savings Accounts
Saving Accounts
| Savings Accounts1 | Dividend Rate | APY* |
|---|---|---|
| $50 - $4,999 | .20% | .20% |
| $5,000 - $9,999 | .25% | .25% |
| 10,000 - $39,999 | .30% | .30% |
| $40,000 and up | .45% | .45% |
| Christmas Club Savings Account | .20% | .20% |
| Kasasa Saver5 | Dividend Rate | APY* |
|---|---|---|
| On balances up to $25,000 | 1.00% | 1.00% |
| On balances over $25,000 | .50% | .50% |
| All balances if qualifications not met | .05% | .05% |
Money Market
| Money Market3 | Dividend Rate | APY* |
|---|---|---|
| $50 - $1,999.99 | .70% | .70% |
| $2,000 - $19,999.99 | .90% | .90% |
| $20,000 - $49,999.99 | 1.05% | 1.05% |
| $50,000 and above | 1.25% | 1.25% |
Certificates & IRAs
| Certificates & IRAs4 Effective 11/01/2023 | Dividend Rate | APY* |
|---|---|---|
| Regular ($1,000 Minimum) | ||
| 6 month Certificate | 4.19% | 4.26% |
| 12 month Certificate & IRA | 3.94% | 4.00% |
| 18 month Certificate | 3.70% | 3.75% |
| 24 month Certificate & IRA | 3.70% | 3.75% |
| 36 month Certificate & IRA | 3.21% | 3.25% |
| 48 month Certificate & IRA | 3.21% | 3.25% |
| Jumbo ($95,000 Minimum) | ||
| 6 month Jumbo Certificate | 4.29% | 4.36% |
| 12 month Jumbo Certificate & IRA | 4.04% | 4.10% |
| 18 month Jumbo Certificate | 3.80% | 3.85% |
| 24 month Jumbo Certificate & IRA | 3.80% | 3.85% |
| 36 month Jumbo Certificate & IRA | 3.31% | 3.35% |
| 48 month Jumbo Certificate & IRA | 3.31% | 3.35% |
| Certificate Specials | ||
| 6 Month Promotion CD | 4.89% | 5.01% |
| 13 Month Promotion CD | 4.64% | 4.75% |
Regulation D (Reg D) is a federal law that limits the number of transfers and withdrawals that can be made from an interest bearing account (Savings, Money Market) to a Checking Account or to a third party. Reg D imposes a limit of six transfers or withdrawals, or a combination of such transfers and withdrawals, to another account at the same credit union or to a third party during a calendar month or statement cycle by means of the following types of transactions:
- Preauthorized or automatic withdrawals;
- Telephone transfers;
- Transfers initiated by personal computer; or
- Withdrawals by check, debit card, or similar order.
*APY = Annual Percentage Yield. Rates subject to change weekly.
1 Share (Savings) rates declared by board on 03/28/2024 for April, effective 04/01/2024, payable 04/30/2024. Savings account dividends are paid monthly on a daily ending balance of at least $50.
2 Share Draft (Checking) rates declared by board on 03/28/2024 for April, effective 04/01/2024, payable 04/30/2024. Checking Account dividends are paid monthly on a minimum $500 daily ending balance. Fresh Start Checking Account does not receive dividends. Fees incurred on a Money Market or Checking account may reduce the earnings on the account.
3 Money Market dividends are paid at the end of the month on your daily ending balance according to our balance tier. Money Market Rate may be changed monthly. Fees incurred on a Money Market account may reduce the earnings on the account.
4 All early withdrawals may result in up to a 90 days loss of dividends. Rates subject to change weekly. Fees may reduce the earnings if an early withdrawal is made.
5 Kasasa Saver Qualifications – Complete the following transactions and activities each monthly qualification cycle in your Kasasa Cash/Cash Back Checking: have at least 12 debit card purchases post and settle, have at least one direct deposit or an ACH credit/debit, and be enrolled in and agreed to receive e-statements rather than paper statements. Rates on this account are variable and may change. Click HERE to view monthly qualifications cycles.