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Share Certificates
Minimum Balance, Term, Dividend Rate, and APY for Certificate Deposits
Share Certificates include Roth & Traditional IRAs.
| Minimum Balance | Term | Dividend Rate | APY |
|---|---|---|---|
*8 Month CD Special! 4.60% APY**11 Month CD Special! 4.25% APY**27 Month CD Special! 4.10% APY*$10,000 Minimum Deposit (New Money) |
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| $500 Min | 3 or 5 Month | 1.98% | 2.00% |
| $500 Min | 6 or 7 Month | 1.98% | 2.00% |
| $10,000 Min | 8 Month | 4.51% | 4.60% |
| $10,000 Min | 11 Month | 4.17% | 4.25% |
| $500 Min | 9 or 12 Month | 2.47% | 2.50% |
| $500 Min | 15 or 18 Month | 2.72% | 2.75% |
| $500 Min | 24 or 25 Month | 2.96% | 3.00% |
| $10,000 Min | 27 Month | 4.02% | 4.10% |
| $500 Min | 30 or 36 Month | 3.06% | 3.10% |
| $500 Min | 48 Month | 3.06% | 3.10% |
Dividends are earned daily and posted monthly to all accounts.
APY = Annual Percentage Yield. Rates current as of January 1, 2023.
Rates and terms are subject to change without notice. Penalty for early withdrawal on term share certificate accounts.
Fees could reduce earnings. The minimum requirement for obtaining membership is a $5.00 deposit in a Regular Share Savings.
Federally Insured by the NCUA.
Share Savings Accounts
| Minimum Balance |
Dividend Rate |
APY |
|---|---|---|
| Shares* | ||
| $5 – $99 $100 + |
0.00% 1.00% |
0.00% 1.00% |
| DREAM. SAVE. WIN! Savings**** | ||
| $0 – 99 | 0.00% | 0.00% |
| $100 + | 1.24% | 1.25% |
|
Rewards Savings |
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| Up to $500.00 $500.01 + |
7.25% 1.00% |
7.50% 1.00% |
| Super Shares** Includes Roth & Traditional IRA and CESA Share |
||
| $5,000 – 49,999 $50,000 – 99,999 $100,000 – 199,999 $200,000 – 499,999 $500,000 + |
1.74% 1.98% 2.23% 2.72% 3.20% |
1.75% |
| Top Ten Shares*** | ||
|
$5,000 – 49,999 |
1.98% 2.23% 2.47% 2.96% 3.45% |
2.00% 2.25% 2.50% 3.00% 3.50% |
| Share Draft (Checking) | ||
| $5,000 + | 0.50% | 0.50% |
| Christmas/Vacation Club | ||
| $25 + | 1.00% | 1.00% |
| Health Savings Account | ||
| $100 + | 1.24% | 1.25% |
APY = Annual Percentage Yield. Rates current as of January 1, 2023. |
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*The minimum requirement for obtaining membership is a $5.00 deposit into a Regular Share Savings Account.**If balance is below $5000, 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 |
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