Safe, sound & retirement approved
Effective December 1, 2024
SHARE & IRA CERTIFICATES¹
| CERTIFICATE TERM |
DIVIDEND RATE APR²
|
APY³ |
|---|---|---|
| 3 Months | 3.850% | 3.925% |
| 6 Months | 3.850% |
3.925% |
| 12 Months | 3.850% |
3.925% |
| 18 Month | 3.850% |
3.925%
|
| 24 Months | 3.750% |
3.821%
|
| 30 Months | 3.700% | 3.769% |
| 36 Months | 3.650% |
3.717% |
| 48 Months | 3.600% | 3.665% |
| 60 Months | 3.750% | 3.821% |
JUMBO CERTIFICATES6
|
CERTIFICATE TERM
(MINIMUM $100,000)
|
DIVIDEND RATE APR2 | APY3 |
|---|---|---|
| 12 Months | 3.900% | 3.977% |
| 18 Months | 3.900% | 3.977% |
| 24 Months | 3.800% |
3.873% |
| 30 Months | 3.750% | 3.821% |
| 36 Months | 3.700% |
3.769% |
| 48 Months | 3.650% |
3.717%
|
| 60 Months | 3.800% | 3.873% |
JUMBO CERTIFICATE SPECIALS
|
CERTIFICATE TERM
(MINIMUM $250,000)7
|
DIVIDEND RATE APR2 | APY3 |
|---|---|---|
| 12 Months | 3.950% | 4.029% |
|
CERTIFICATE TERM
(MINIMUM $500,000)8
|
DIVIDEND RATE APR2 | APY3 |
|---|---|---|
| 12 Months | 4.000% | 4.081% |
SAVINGS ACCOUNTS4
| Account Type | DIVIDEND RATE APR² | APY³ |
|---|---|---|
| Share Account | 0.10% |
0.10% |
| Christmas Club |
0.20% |
0.20% |
| Vacation Club |
0.15% |
0.15% |
| IRA Account5 |
0.25% |
0.25% |
| Checking Account |
0.00% |
0.00% |
¹Minimum deposit: May be purchased in any denomination above $100. Subject to early withdrawal penalty
²Annual Percentage Rate
³Annual Percentage Yield assumes all principal and dividends remain on deposit for entire term
4Rates may change without prior notification. All dividends are compounded daily and paid monthly
5Includes Traditional IRA, Roth IRA, and Coverdell Education Account
³Annual Percentage Yield assumes all principal and dividends remain on deposit for entire term
4Rates may change without prior notification. All dividends are compounded daily and paid monthly
5Includes Traditional IRA, Roth IRA, and Coverdell Education Account
6Minimum deposit: May be purchased in any denomination above $100,000. Subject to early withdrawal penalty
7Minimum deposit: May be purchased in any denomination above $250,000. Subject to early withdrawal penalty. Limited quantity.
8Minimum deposit: May be purchased in any denomination above $500,000. Subject to early withdrawal penalty. Limited quantity.
Share Certificate - Early Withdrawal Penalties
Minimum withdrawal penalty $25.00
The following penalty structure for withdrawing funds from Certificates of Deposit will apply:
| Length of CD |
Penalty for early withdrawal |
|---|---|
| 3 months |
Earned dividend on total certificate principal or one month’s dividends on the amount withdrawn. Whichever is less. |
| 6 months |
Earned dividend on total certificate principal or two month’s dividends on the amount withdrawn. Whichever is less. |
| 12 months |
Earned dividend on total certificate principal or three month’s dividends on the amount withdrawn. Whichever is less.
|
| Over 12 months |
Earned dividend on total certificate principal or four month's dividends on the amount withdrawn. Whichever is less.
|
| DISPOSITION OF THE FUNDS: |
Credit Union bylaws give the Credit Union authority to impose a notice of up to 60 days for withdrawal of shares. |
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