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Savings Rates
Effective as of January 1, 2009
APY = Annual Percentage Yield
APR = Annual Percentage Rate
Rates subject to change without notice.
| Share Accounts |
APR |
APY |
Notes |
| Share Accounts |
0.50% |
0.50% |
|
| Christmas Club |
0.50% |
0.50% |
No miminum Balance |
| Vacation Club |
0.50% |
0.50% |
No miminum Balance |
| Individual Retirement Account |
1.98% |
2.00% |
Cumulative Average |
Checking Rates
Effective as of January 1, 2009
APY = Annual Percentage Yield
APR = Annual Percentage Rate
Rates subject to change without notice. Interest checking rate = share savings rate +0.50%.
| Share Accounts |
APR |
APY |
Notes |
| Advantage Checking |
1.00% |
1.00% |
Dividends calculated on checking account balance. |
| Premier Checking |
1.00% |
1.00% |
Dividends calculated on checking account balance. |
Money Market Rates
Effective as of January 1, 2009
APY = Annual Percentage Yield
APR = Annual Percentage Rate
Rates subject to change without notice.
This Money Market savings earns the rate of interest based on account balance--as balance fluctuates between tiers, the appropriate APR is earned (there is no penalty when your balance shifts between tiers).
| Share Accounts |
APR |
APY |
| $0 - $4,999 |
0.50% |
0.50% |
| $5,000 - $49,999 |
1.74% |
1.75% |
| $50,000 + |
2.32% |
2.35% |
Share Certificates & IRA Certificates
Effective as of January 1, 2009
Share Certificates & IRA Certificates
APY = Annual Percentage Yield
APR = Annual Percentage Rate
Rates subject to change without notice; however, rate received at certificate opening will remain in effect until maturity. All certificates are available as IRA Certificates.
**Winter Certificate Special**
3.75% APY for a 11 Month Term
4.00% APY for a 30 Month Term
$1,000 minimum. Winter Certificate Special valid through 2/28/09.
*APY=Annual Percentage Yield. $1,000 minimum deposit required. Rate is subject to change without notice; howver, rate received at certificate opening will remain in effect until maturity. Winter Certificate Special valid through 2/28/09. Jumbo rate specials do not apply for specials. Contact the credit union for complete details.
| Share Certificate Accounts |
Term |
APR |
APY |
| $1,000 Minimum |
3 Months |
2.23% |
2.25% |
| $1,000 Minimum |
6 Months |
2.47% |
2.50% |
| $1,000 Minimum |
12 Months |
2.72% |
2.75% |
| $1,000 Minimum |
18 Months |
2.81% |
2.85% |
| $1,000 Minimum |
24 Months |
2.96% |
3.00% |
| $1,000 Minimum |
36 Months |
3.06% |
3.10% |
| $1,000 Minimum |
48 Months |
3.45% |
3.50% |
| $1,000 Minimum |
60 Months |
3.69% |
3.75% |
| Teen Certificates (available to members under the age of 18) |
|
|
|
| $100 Minimum |
6 Months |
2.47% |
2.50% |
| $100 Minimum |
12 Months |
2.72% |
2.75% |
| Jumbo Rates |
|
|
|
|
$50,000-$99,999
$100,000 Minimum |
All Regular Terms
All Regular Terms |
|
Add 0.15%
Add 0.25% |
A penalty may be imposed for early certificate withdrawal. Jumbo rates do not apply to certificate specials.
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