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Dividend Rates

Safe, sound & retirement approved

Effective November 1, 2019

SHARE & IRA CERTIFICATES¹

CERTIFICATE TERM
DIVIDEND RATE APR²
APY³
3 - 5 Months 1.250% 1.26%
6 - 11 Months 1.250%
1.26%
12 - 23 Months 1.250%
1.26%
24 - 35 Months 1.500%
1.51%
36 - 47 Months 1.500%
1.51%
48 - 59 Months 1.500% 1.51%
60 Months 1.750% 1.77%

SAVINGS ACCOUNTS4

Account Type DIVIDEND RATE APR² APY³
Share Account 0.15%
0.15%
Christmas Club
0.25%
0.25%
Vacation Club
0.15%
0.15%
IRA Account5
0.75%
0.75%
Checking Account
0.00%
0.00%
¹Minimum deposit: May be purchased in any denomination above $500. Subject to early withdrawal penalty
²Annual Percentage Rate
³Annual Percentage Yield assumes all principal and dividends remain on deposit for entire term
4Rates may change without prior notification. All dividends are compounded daily and paid monthly
5Includes Traditional IRA, Roth IRA, and Coverdell Education Account
 
 

Share Certificate - Early Withdrawal Penalties

Minimum withdrawal penalty $25.00
 
The following penalty structure for withdrawing funds from Certificates of Deposit will apply:
 
Length of CD
Penalty for early withdrawal
3 months
Earned dividend on total certificate principal or one month’s dividends on the amount withdrawn. Whichever is less.
6 months
Earned dividend on total certificate principal or two month’s dividends on the amount withdrawn. Whichever is less.
12 months
Earned dividend on total certificate principal or three month’s dividends on the amount withdrawn. Whichever is less.
DISPOSITION OF THE FUNDS:
Credit Union bylaws give the Credit Union authority to impose a notice of up to 60 days for withdrawal of shares.
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