Savings
Share Savings, Club Accounts, and IRAs
The Share account is the foundation of credit union membership. It is a savings account and a way for our member-owners to own shares in the credit union.
| Account | APY* |
|---|---|
| Regular Share (Savings) | 0.10% |
| Club Accounts (Christmas & Vacation Club) | 0.10% |
| IRA | 1.00% |
| *APY = Annual Percentage Yield. Prospective rates for the Second Quarter of 2025, April, May, and June, are accurate as of April 24, 2025. RATES SUBJECT TO CHANGE WITHOUT NOTICE. CONTACT CREDIT UNION TO VERIFY CURRENT RATES AND YIELDS. Dividends are declared at the end of each quarter, calculated on the average daily balance, paid and compounded quarterly. Fees assessed to the accounts can reduce earnings. The Share account's minimum balance (par value) is $5.00, which is the minimum balance required to earn stated APY. The minimum balance for Club accounts is $5.00, which is the minimum balance required to earn stated APY. IRA accounts have a minimum balance of $100.00, which is the minimum balance required to earn stated APY. | |
Money Market Share Account
| Tier | Balance | APY* |
|---|---|---|
| First | $0.00 - $2,499.00 | 1.25% |
| Second | $2,499.01 - $24,999.00 | 1.25% |
| Third | $24,999.01 - $99,999.00 | 1.50% |
| Fourth | $99,999.01 - $199,999.00 | 1.75% |
| Fifth | $199,999.01 and over | 2.00% |
| *APY = Annual Percentage Yield. Yields shown above are effective April 24, 2025, and accurate as of April 24, 2025. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. CONTACT CREDIT UNION TO VERIFY CURRENT RATES AND YIELDS. Dividends are declared on the first of each month, calculated based on the average daily balance, and paid monthly. Money Market Accounts require a $2,500.00 minimum opening deposit. The account will remain open with as little as $5.00 on deposit. The minimum balance required to earn the stated APY for each tier is shown in the table above. Withdrawals/transfers in excess of three (3) per month incur a $10.00 fee per transaction. Fees assessed to the account can reduce earnings. | ||
Certificates
Share & IRA Certificates
Share Certificates offer higher dividend rates than Share Savings or IRA accounts on funds invested for a specific term or amount of time. Please note that an IRA certificate does not offer a monthly paid dividend option.
| Term | APY* |
|---|---|
| 6 months | 4.25% |
| 12 months* | 3.75% |
| 24 months** | 3.00% |
| 36 months** | 2.75% |
| 48 months** | 2.75% |
| 60 months** | 2.75% |
| *APY = Annual Percentage Yield. **The Bump-Up option is available on new certificates with 24 months or greater terms. Contact a Member Service Representative for details and restrictions. Certificate yields are effective April 24, 2025, and accurate as of April 24, 2025. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. CONTACT CREDIT UNION TO VERIFY CURRENT RATES AND YIELDS. The minimum deposit required to open a certificate is $500.00, which is the minimum balance to earn the stated rate. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings. | |
IRA
Purchase an IRA certificate to increase your Retirement Account earnings! Call a Member Service Representative for more information.
IRA's (Individual Retirement Accounts)
Purchase an IRA certificate to increase your Retirement Account earnings! Call a Member Service Representative for more information.
| Description | APY* |
|---|---|
| Traditional and Roth IRAs | 1.00% |
| *APY = Annual Percentage Yield. IRA yields declared for the Second Quarter of 2025, April, May, and June, and are accurate as of April 24, 2025. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. CONTACT CREDIT UNION TO VERIFY CURRENT RATES AND YIELDS. Dividends are declared at the end of each quarter, calculated on the average daily balance, paid and compounded quarterly. The minimum deposit required to open an IRA account is $100.00, which is the minimum balance to earn stated rate. | |