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Deposit Rates

Share Savings Accounts

Min. Balance, Dividend Rate, and APY for Savings Accounts
Minimum
Balance		 Dividend
Rate		 APY
Shares*
$5 – $99
$100 +		 0.00%
0.50%		 0.00%
0.50%
DREAM. SAVE. WIN! Savings****
$0 – 99 0.00% 0.00%
$100 + 0.75% 0.75%

Rewards Savings
Up to $500.00
$500.01 +		 7.25%
0.50%		 7.50%
0.50%
Super Shares**
$2,500 – 24,999
$25,000 – 49,999
$50,000 – 74,999
$75,000 – 99,999
$100,000+		 0.70%
0.80%
0.90%
1.00%
1.14%		 0.70%
0.80%
0.90%
1.00%
1.15%
Top Ten Shares***

$5,000 – 24,999
$25,000 – 49,999
$50,000 – 74,999
$75,000 – 99,999
$100,000 +

 0.80%
0.90%
1.00%
1.09%
1.24%		 0.80%
0.90%
1.00%
1.10%
1.25%
Share Draft (Checking)
 $5,000 +  0.15%  0.15%
Christmas/Vacation Club
 $25 +  0.50%  0.50%
Health Savings Account
 $100 +  0.75%  0.75%
IRA Share Traditional, Roth & Education
 $100 +  0.75%  0.75%
NGL Funeral Trust Account
$500 – $15,000 0.50%
APY = Annual Percentage Yield. Rates current as of January 2, 2020.
Funeral trust account rate of 0.50% is attributed to the whole life insurance policy that is assigned to the trust. “Insurance coverage provided by National Guardian Life Insurance Company. National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America, a/k/a The Guardian Life.” For Agent Use Only. Some rates may vary on Medicaid rules and eligibility is not guaranteed; please consult an Elder Law Attorney in your state for assistance. NGLFE 01/2020.
 **If balance is below $2500, the dividend rate will be equal to the Regular Share rate.
*** If balance is below $5000, the dividend rate will be equal to the Regular Share rate. Withdrawals may be made the top (first) ten days of each calendar month with no penalty. 
Share Savings Accounts are variable rate accounts which means the rate may change after the account is opened.  Dividends will be calculated using the average daily balance for the statement period method and posted to the above share accounts monthly.  Please contact the credit union for further information.
****DREAM. SAVE. WIN! Savings – Early withdrawals within the first 12 months or withdrawals made after the first 12 months, and after the first 10 days of each calendar quarter will be subject to a penalty of $5.00 or 90 days dividends, whichever is greater, on the amount withdrawn at the rate in effect at the time of the withdrawal.  See Official Rules and Disclosure

 

 

Share Certificates

Minimum Balance, Term, Dividend Rate, and APY for Certificate Deposits
Minimum Balance Term Dividend Rate APY

5 Month CD Special! 1.60% APY

11 Month CD Special! 2.15% APY

25 Month CD Special! 2.25% APY

$10,000 Minimum Deposit
$500 Min 3 Month 1.14% 1.15%
$10,000 Min 5 Month 1.59% 1.60%
$500 Min 6 Month 1.34% 1.35%
$500 Min 7 Month 1.39% 1.40%
$500 Min 9 Month 1.49% 1.50%
$10,000 Min 11 Month 2.13% 2.15%
$500 Min 12 Month 1.64% 1.65%
$500 Min 15 Month 1.79% 1.80%
$500 Min 18 Month 1.88% 1.90%
$500 Min 24 Month 1.98% 2.00%
$10,000 Min 25 Month 2.23% 2.25%
$500 Min 30 Month 2.03% 2.05%
$500 Min 36 Month 2.13% 2.15%
$500 Min 48 Month 2.23% 2.25%
Dividends are earned daily and posted monthly to all accounts.
APY = Annual Percentage Yield. Rates current as of January 2, 2020.
Rates and terms are subject to change without notice. Penalty for early withdrawal on term share certificate accounts.
Fees could reduce earnings.
Special Term Certificates will not auto renew upon maturity. Balance will transfer to the Regular Share or IRA Share Account.
The minimum requirement for obtaining membership is a $5.00 deposit in a Regular Share Savings.
Federally Insured by the NCUA.

IRA Certificates

Min. Balance, Term, Dividend Rate, and APY
for IRA Certificate Deposits
Minimum Balance Term Dividend Rate APY

5 Month CD Special! 1.60% APY

11 Month CD Special! 2.15% APY

25 Month CD Special! 2.25% APY

$10,000 Minimum Deposit
$500 Min 3 Month 1.14% 1.15%
$10,000 Min 5 Month 1.59% 1.60%
$500 Min 6 Month 1.34% 1.35%
$500 Min 7 Month 1.39% 1.40%
$10,000 Min 11 Month 2.13% 2.15%
$500 Min 12 Month 1.64% 1.65%
$500 Min 15 Month 1.79% 1.80%
$500 Min 18 Month 1.88% 1.90%
$500 Min 24 Month 1.98% 2.00%
$10,000 Min 25 Month 2.23% 2.25%
$500 Min 30 Month 2.03% 2.05%
$500 Min 36 Month 2.13% 2.15%
$500 Min 48 Month 2.23% 2.25%
Penalty for early withdrawal – 90 day penalty on Certificates less than 1 year. 180 day penalty on Certificates 1 year or greater.
Dividends are earned daily and posted monthly to all accounts.
APY = Annual Percentage Yield. Rates current as of January 2, 2020.
Rates and terms are subject to change without notice.
Penalty for early withdrawal on term share certificate accounts.
Fees could reduce earnings.
Special Term Certificates will not auto renew upon maturity. Balance will transfer to the Regular Share or IRA Share Account.
The minimum requirement for obtaining membership is a $5.00 deposit in a Regular Share Savings.
Federally Insured by the NCUA.
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