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Dividend Rates

Savings Accounts

Type

APY*

Dividends Compound

Min. to Earn Dividend

Regular Shares

0.45%

monthly

$25,000.00

 

0.35%

monthly

    7,500.00

 

0.15%

monthly

       100.00

Youth

0.15%

monthly

          5.00

Club Accounts

0.15%

monthly

          0.00

Advantage Checking

 3.25%

monthly

           n/a

 

0.10%

monthly

   5,001.00

Premium Checking

0.35%

monthly

   5,000.00

 

0.15%

monthly

   1,000.00

Youth Checking

0.35%

monthly

   5,000.00

 

0.15%

monthly

      300.00


Share Certificates

Minimum Balance

APY*

Dividends Compound

Term

$75,000.00

1.35%

monthly

 36 months

 

1.25%

monthly

 24 months

 

0.80%

monthly

 12 months

 

0.55%

monthly

   6 months

 

0.25%

monthly

   3 months

$10,000.00

1.25%

monthly

 36 months

 

1.25%

monthly

 24 months

 

0.70%

monthly

 12 months

 

0.45%

monthly

   6 months

 

0.25%

monthly

   3 months

$1,000.00

1.15%

monthly

 36 months

 

0.90%

monthly

 24 months

 

0.70%

monthly

 12 months

 

0.45%

monthly

   6 months

 

0.25%

monthly

   3 months


IRA (Individual Retirement Accounts)

Type

APY*

Dividends Compound

Term

IRA Certificate

1.25%

monthly

 36 months

IRA Certificate

1.16%

monthly

 24 months

IRA Certificate

1.00%

monthly

 12 months

IRA Shares

0.50%

monthly

            n/a

 

Rates as of  December 1, 2014

DIVIDENDS:*APY is Annual Percentage Yield.  Rates are subject to change without notice. Not all rates and terms are shown. Contact us for current rates and terms of other conditions or limitations. Dividends compound if allowed to remain in account. Share, IRA & Club Account Dividends are declared quarterly at the end of the quarter. Rates quoted are for the previous quarter.

Nature of Dividends
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Dividend rates are declared periodically and are subject to change.

Average Daily Balance Computation Method
Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly.

Effect of Closing an Account
If you close your account before dividends are paid, you will not receive the accrued dividends.

Fees and Other conditions may reduce the earnings on Savings, Premium, and Certificate accounts.
 
Certificate and Club Account Penalty
Penalty may be imposed for early withdrawals.
 
Other terms and limitations may apply to these accounts. You may obtain a current copy of the "Terms and Conditions" brochure by contacting the credit union office.

Need a copy of the "Terms and Conditions" brochure?  E-mail us a request.

Federally Insured by NCUA

Federally Insured by NCUA