|Savings Accounts1||Dividend Rate||APY*|
|$50 - $4,999||.05%||.05%|
|$5,000 - $9,999||.10%||.10%|
|10,000 - $39,999||.20%||.20%|
|$40,000 and up||.30%||.30%|
|Christmas Club Savings Account||.30%||.30%|
|Money Market3||Dividend Rate||APY*|
|$50 - $1,999.99||.20%||.20%|
|$2,000 - $19,999.99||.30%||.30%|
|$20,000 - $49,999.99||.50%||.50%|
|$50,000 and above||.60%||.60%|
|Certificates & IRAs4|
|Regular ($1,000 Minimum)|
|6 month Certificate||.60%||.60%|
|12 month Certificate & IRA||.70%||.70%|
|18 month Certificate||.75%||.75%|
|24 month Certificate & IRA||.80%||.80%|
|36 month Certificate & IRA||.85%||.85%|
|48 month Certificate & IRA||.90%||.90%|
|Jumbo ($95,000 Minimum)|
|6 month Jumbo Certificate||.65%||.65%|
|12 month Jumbo Certificate & IRA||.75%||.75%|
|18 month Jumbo Certificate||.80%||.80%|
|24 month Jumbo Certificate & IRA||.85%||.85%|
|36 month Jumbo Certificate & IRA||.90%||.90%|
|48 month Jumbo Certificate & IRA||.95%||.95%|
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:
*APY = Annual Percentage Yield. Rates subject to change weekly.
1 Share (Savings) rates declared by board on 09/24/2020 for October, effective 10/01/2020, payable 10/31/2020. Savings account dividends are paid monthly on a daily ending balance of at least $50.
2 Share Draft (Checking) rates declared by board on 09/24/2020 for October, effective 10/01/2020, payable 10/31/2020. 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.