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This
credit union is federally insured by the National Credit Union
Administration.
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We keep our rates posted as a convenience
for you in making financial decisions. Remember, rates are subject to change
without notice, and you should contact the credit union when in doubt. Which rates
do you need?
These rates are subject to change
without notice. Fees may reduce earnings on accounts. When in doubt,
please contact the credit
union.
Contact
us for details or a location
nearest you.
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Effective November 25, 2008 |
Savings Programs |
Type
|
Minimum Balance to Earn
Dividends |
Nominal Dividend Rate |
Annual Percentage Yield |
|
Share Savings |
$5
|
0.50% |
0.50% |
| IRA Share Savings |
$5
|
1.00% |
1.00% |
| Christmas Club |
$5
|
2.48% |
2.50% |
| Vacation
Savings |
$5
|
1.99% |
2.00% |
| Summer
Pay Savings |
$5
|
1.11% |
1.11% |
|
Share Escrow |
$5
|
0.94% |
0.94% |
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Checking |
| Minimum Balance to Earn Interest |
Nominal Dividend Rate |
Annual Percentage Yield |
| Simply
Free
Checking |
n/a |
n/a |
n/a |
Totally
Checking
w/interest |
$1,000 |
.35% |
.35% |
| Better
Than Free Checking |
$0 |
0% |
0% |
| Better
Than Free Checking + Interest |
$1,000 |
0.50% |
0.50% |
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Money-Market |
Balance |
Nominal Dividend Rate |
Annual Percentage Yield |
| $2000 - 9,999 |
1.49% |
1.50% |
| $10,000 - 24,999 |
1.88% |
1.90% |
| $25,000 - 49,999 |
2.23% |
2.25% |
| $50,000 and over |
2.37% |
2.40% |
| NOTE:
NO dividends are earned if balance
falls below $2000 |
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Term
Share Certificates |
Term |
Minimum Balance to Earn Dividends |
Nominal Dividend Rate |
Annual Percentage Yield |
| 3-Month |
$1,000 |
2.23% |
2.25% |
| 6-Month |
$1,000 |
2.48% |
2.50% |
| 12-Month |
$1,000 |
2.72% |
2.75% |
| 18-Month |
$1,000 |
2.97% |
3.00% |
| 24-Month |
$1,000 |
2.97% |
3.00% |
| 30-Month |
$1,000 |
3.02% |
3.05% |
| 36-Month |
$1,000 |
3.11% |
3.15% |
| 48-Month |
$1,000 |
3.45% |
3.50% |
| 60-Month |
$1,000 |
3.45% |
3.50% |
18-
Month
variable (78wk) |
$1,000 |
1.20% |
1.21% |
Penalty may be imposed for early
withdrawal and subject to account closure.
NOTE: Minimum balance is $100
for members under 18 (Excluding Specials). 18 mo variable certificate is
tied to the 1 yr CMT and has a floor of 1.5%
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Individual Retirement Accounts
Traditional, Roth and Coverdell |
Type |
Minimum Balance to Earn Dividends |
Nominal Dividend Rate |
Annual Percentage Yield |
| Traditional, Roth
and Coverdell IRA |
| 12-Month
IRA |
$1000 |
2.82% |
2.85% |
| 18-Month
IRA |
$1000 |
3.06% |
3.10% |
| 24
Month IRA |
$1000 |
3.06% |
3.10% |
| 30-Month
IRA |
$1000 |
3.11% |
3.15% |
| 36-Month
IRA |
$1000 |
3.21% |
3.25% |
| 48-Month
IRA |
$1000 |
3.55% |
3.60% |
| 60-Month
IRA |
$1000 |
3.55% |
3.60% |
18-Month
Variable
(78 wks) |
$1000 |
1.20% |
1.21% |
| Penalty may be imposed for early
withdrawal. |
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