Savings Rates

Effective as of: January 22, 2020

Share Accounts
Dividend Rate	APY*	Minimum Balance to Earn APY
.10%	.10%	$25.00 minimum
1. Dividends are paid monthly on the average daily balance. 2. Dividend rates may change after the account is opened.

Basic | "On The Move" | free4ME Checking Accounts
Dividend Rate	APY*	Minimum Balance to Earn APY
.05%	.05%	No minimum balance to open account. Minimum balance $.01 to earn dividends.
1. No monthly service charge if $300 balance is maintained. 2. Dividends are paid monthly on the average daily balance. 3. Dividend rates may change after the account is opened. 4. Fees may reduce earnings.

Ultimate Checking Accounts
Dividend Rate	APY*	Minimum Balance to Earn APY
.20%	.20%	Balances $2,500-$19,999.99
.25%	.25%	$20,000.00-$49,999.99
.30%	.30%	$50,000.00-$99,999.99
.35%	.35%	$100,000.00 and over
1. No monthly service charge if $2,500 balance is maintained. 2. Dividends are paid monthly on the average daily balance. 3. Dividend rates may change after the account is opened. 4. Fees may reduce earnings.

Money Market Accounts
Dividend Rate	APY*	Minimum Balance to Earn APY
.80%	.803%	$1,000.00 - $19,999.99
.85%	.853%	$20,000.00 - $49,999.99
.95%	.954%	$50,000.00 - $99,999.99
1.00%	1.005%	$100,000.00 and over
1. $1,000 minimum balance required to keep the account open. 2. $100 minimum withdrawal amount and a maximum of 3 withdrawals per month. 3. Dividends are paid monthly on the average daily balance. 4. Dividend rates may change after the account is opened.

Club Accounts
Dividend Rate	APY*	Minimum Balance to Earn APY
.10%	.10%	No minimum balance to open account. Minimum balance $.01 to earn dividends.
1. Holiday, Vacation and All-Purpose clubs are available. 2. Dividends are paid monthly on the average daily balance. 3. Dividend rates may change after the account is opened.

 

FOCUS Accounts
Dividend Rate	APY*	Minimum Balance to Earn APY
.10%	.10%	$25 minimum balance
1. Available to teens ages 13-18 who have not graduated. 2. Dividends are paid monthly on the average daily balance. 3. Dividend rates may change after the account is opened.

Monty Moose Accounts
Dividend Rate	APY*	Minimum Balance to Earn APY
.10%	.10%	No minimum balance to open account. Minimum balance $.01 to earn dividends.
1. Available to children ages 12 and under. 2. Dividends are paid monthly on the average daily balance. 3. Dividend rates may change after the account is opened.

IRA Share Accounts | Health Savings Accounts
Dividend Rate	APY*	Minimum Balance to Earn APY
.80%	.803%	$100.00-$19,999.99
.85%	.853%	Balances $20,000.00-$49,999.99
.95%	.954%	Balances $50,000.00-$99,999.99
1.00%	1.005%	Balances $100,000.00 and over
1. No annual fee. 2. Dividends paid monthly on the average daily balance. 3. Dividend rates may change after the account is opened.

Certificates
Certificate Term	Dividend Rate	APY*	Minimum Balance to Earn APY
6 Months	1.40%	1.409%	$1,000 Minimum
12 Months	1.65%	1.663%	$1,000 Minimum
18 Months	1.70%	1.713%	$1,000 Minimum
2 Years	1.85%	1.866%	$1,000 Minimum
3 Years	1.90%	1.917%	$1,000 Minimum
5 Years	2.15%	2.171%	$1,000 Minimum
1. $1,000 minimum balance required to earn the APY. 2. Dividends are paid monthly on the average daily balance. 3. Penalty for early withdrawals. 4. A withdrawal will reduce earnings.

60TH Anniversary Special – 13 month CD - $60,000.00 maximum deposit – current rate 1.65%, APY 1.663%; rate will be increased by a certain percentage based on years of membership

For rates on other types of loans, please contact the credit union.
All rates are subject to change without notice.

*APY = Annual Percentage Yield