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Dividend Rates: February 14, 2012 |
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Rates subject to change. Conditions or fees may reduce the earnings on the account. Early surrender penalties apply. |
| Share Certificates |
Terms/Minimums. Annual Percentage Yield(APY). Early Surrender Penalties Apply. |
APR |
APY |
| 3 MONTH |
$500 Minimum |
0.25% |
0.25% |
| 3 MONTH ROYALTY |
Age 55 or Older |
0.35% |
0.35% |
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| 6 MONTH |
$500 Minimum |
0.40% |
0.40% |
| 6 MONTH ROYALTY |
Age 55 or Older |
0.50% |
0.50% |
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| 7 MONTH |
$1,000 Minimum |
0.60% |
0.60% |
| 13 MONTH |
$1,000 Minimum |
0.80% |
0.80% |
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|
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| 12 MONTH |
$500 Minimum |
0.65% |
0.65% |
| 12 MONTH ROYALTY |
Age 55 or Older |
0.75% |
0.75% |
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| 24 MONTH |
$500 Minimum |
1.04% |
1.05% |
| 24 MONTH ROYALTY |
Age 55 or Older |
1.14% |
1.15% |
| 27 MONTH |
$1,000 Minimum |
1.19% |
1.20% |
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|
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| 36 MONTH |
$500 Minimum |
1.29% |
1.30% |
| 36 MONTH ROYALTY |
Age 55 or Older |
1.39% |
1.40% |
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| 48 MONTH |
$1,000 Minimum |
1.44% |
1.45% |
| 48 MONTH ROYALTY |
Age 55 or Older |
1.54% |
1.55% |
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| 12 MO. YOUTH STARTER CERT. New money can be added. |
$250 Minimum For savers age 18 and under. |
0.80% |
0.80% |
| 18 MO. DIRECT DEPOSIT CERTIFICATE |
Funding and additions to certificate thru Direct Deposit or scheduled ACH deposits. |
0.80% |
0.80% |
| SYSTEMATIC LOAN CERT. Term length matches length of loan. [Ex. 36 month auto loan = 36 month cert.] |
Direct Deposit required for loan payments and certificate funding. Certificate additions limited to an amount no more than 10% of loan payment. |
Varied based on type of loan and borrower's qualifications. |
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| Individual Retirement Accounts (IRA) |
Traditional, Roth, and Traditional options available for either Club or Certificate accounts. |
|
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| IRA Club Savings : $100.00 Minimum |
Use this account as an “accumulation” account or for receiving mandatory distributions. |
0.90% |
0.90% |
| |
12 MONTH IRA: $500 Minimum |
0.90% |
0.90% |
| Add-on IRA Certificate |
18 MONTH IRA: $500 Minimum |
0.90% |
0.90% |
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24 MONTH IRA: $500 Minimum |
1.14% |
1.15% |
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| Savings Accounts |
Balance Ranges for each “type” of account. |
|
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| Membership Savings |
$100 Minimum |
.15% |
.15% |
| Christmas Club |
$1.00 Min. to open and for earning dividend. Fee-free withdrawals Oct. – Jan. |
.15% |
.15% |
| Direct Deposit (Payroll) Account |
$5.00 Min. to open; 90 days to bring to $100.00 to avoid low balance fee. |
.15% |
.15% |
| Special Savings Club |
$1.00 Min. to open and for earning dividend. Fee-free withdrawals. |
.15% |
.15% |
| Systematic Club Account APR/APY not tiered to a balance range. |
No minimum amount to open or earn dividends. No low balance fee. Free withdrawals in April, otherwise $15.00 ea. |
.15% |
.15% |
| Checking Rates |
|
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| Free Checking |
No minimum amount to open; no dividend paid. |
.00% |
.00% |
| Primary Checking |
$100 Min. to earn dividend and avoid $7.00/mo Low Balance Fee. |
.05% |
.05% |
| Investment Checking |
$1,000 Min. to earn dividend and avoid $10.00/mo Low Balance Fee. |
.15% |
.15% |
| Money Market Acct: $1,000.00 MIN. |
Balance Ranges $100.00 Min. Withdrawal. Other restrictions apply. |
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$1,000-10,000 |
.15% |
.15% |
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$10,000-25,000 |
.20% |
.20% |
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$25,000-50,000 |
.40% |
.40% |
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OVER $50,000 |
.50% |
.50% |
| Premier Money Market: $10,000.00 MIN. |
Balance Ranges $1,000.00 Min. Withdrawal. Other restrictions apply. |
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$10,000.01-25,000.00 |
.25% |
.25% |
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$25,000.01-50,000.00 |
.45% |
.45% |
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$50,000.01-75,000.00 |
.55% |
.55% |
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$75,000.01-100,000.00 |
.60% |
.60% |
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OVER $100,000.00 |
.65% |
.65% |
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. 