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Savings Rates
Share Certificates and IRA Share Certificates - Insured up to $500,000: federally insured up to $250,000 by NCUA, and insured up to an additional $250,000 by ESI, a private insurer.
| Account Term | Minimum Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| 7 Month *Special* | $1,000.00 | 4.00% | 4.00% |
| 13 Month *Special* | $1,000.00 | 4.25% | 4.32% |
| 21 Month *Special* | $1,000.00 | 3.50% | 3.55% |
| 35 Month *Special* | $1,000.00 | 4.50% | 4.58% |
| 59 Month *Special* | $1,000.00 | 3.50% | 3.55% |
| 6 Month | $1,000.00 | 0.60% | 0.60% |
| 12 Month | $1,000.00 | 0.70% | 0.70% |
| 12 Month Youth Velocity | $300.00 | 0.95% | 0.95% |
| 18 Month | $1,000.00 | 0.75% | 0.75% |
| 24 Month | $1,000.00 | 0.80% | 0.80% |
| 36 Month | $1,000.00 | 0.85% | 0.85% |
| 48 Month | $1,000.00 | 0.90% | 0.90% |
| 60 Month | $1,000.00 | 1.50% | 1.51% |
Early withdrawal on share certificates may affect dividends earned. Deposits are insured to at least $250,000 through the National Credit Union Administration, a federal agency. Deposits are insured up to an additional $250,000 through ESI, a private insurer
Money Market Deposit Accounts - Insured up to $500,000: federally insured up to $250,000 by NCUA, and insured up to an additional $250,000 by ESI, a private insurer.
| Average Daily Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $2,500 Thru $9,999.99 | 1.75% | 1.76% |
| $10,000 Thru $24,999.99 | 1.80% | 1.81% |
| $25,000 Thru $49,999.99 | 1.90% | 1.92% |
| $50,000 Thru $99,999.99 | 1.95% | 1.97% |
| Over $100,000.00 | 2.00% | 2.02% |
Average Monthly Balances under $2,500 are subject to a $10.00 monthly service fee, and will earn the Regular Share Rate.
Share Deposits - Insured up to $500,000: federally insured up to $250,000 by NCUA, and insured up to an additional $250,000 by ESI, a private insurer.
| Type of Deposit | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| Regular Shares | 0.05% | 0.05% |
| IRA Accounts | 0.10% | 0.10% |
| High Interest Reward Checking (qualifying, up to $10,000)* | 4.88% | 5.00% |
| High Interest Reward Checking (qualifying, over $10,000.00) | 0.25% | 0.25% |
| High Interest Reward Checking (non-qualifying) | 0.01% | 0.01% |
| Reward Savings (qualifying, up to $15,000) | 0.75% | 0.75% |
| Reward Savings (qualifying, over $15,000.00) | 0.25% | 0.25% |
| Reward Savings (non-qualifying) | 0.01% | 0.01% |
There is a limit of one Reward Checking account per member. No commercial accounts may participate in this program. The following features are unique to Rewards accounts: In order to earn the Qualifying Rate for the dividend period specified in the schedule above and to qualify for additional benefits as described herein for a particular monthly qualification cycle, High Interest Reward Checking and Cash Back Reward Checking accounts must satisfy the following requirements: 1) a minimum of 12 debit card purchases post to your High Interest Reward Checking or Cash Back Reward Checking account; 2) you receive monthly e-Statements for the account; and 3) you log into online banking at least once during the cycle. Please note that the transactions MUST actually post to your account during the monthly qualification cycle.
Reward Savings accounts must be linked to a High Interest Reward Checking or Cash Back Reward checking account. If the linked checking account satisfies the qualification requirements for a monthly qualification cycle, the Reward Savings account will earn the qualifying rate for that cycle. Otherwise, the Reward Savings Account will earn the nonqualifying rate for that cycle. A qualification cycle begins on the first day of a calendar month and ends on the last day of the calendar month.
If you have met your qualifications during the Monthly Qualification Cycle, we will reimburse you for ATM fees, up to $25, imposed during the Monthly Qualification Cycle by our institution and other U.S. financial institutions. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable. ATM fee rebates will be transferred to your Reward Savings account if you have one. Federally insured by NCUA.
Business Checking Accounts - Insured up to $500,000: federally insured up to $250,000 by NCUA, and insured up to an additional $250,000 by ESI, a private insurer.
| Type of Deposit | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| Community Checking | 0.00% | 0.00% |
| Basic Business Checking | 0.05% | 0.05% |
| Elite Business Checking: | ||
| $25,000.00 - $49,999.99 | 1.80% | 1.81% |
| $50,000.00 - $99,999.99 | 1.85% | 1.87% |
| Over $100,000.00 | 1.90% | 1.92% |
The National Credit Union Administration (NCUA), a U.S. government agency, insures your account up to $250,000 per member. When your accounts exceed $250,000, the maximum level of coverage provided through NCUA, you are also insured up to an additional $250,000. Your board of directors has chosen to provide this exceptional level of insurance through a private company. This supplemental insurance is provided by Excess Share Insurance (ESI) Corporation. ESI is a subsidiary of American Share Insurance, the nation's largest private deposit insurer for credit unions. Excess share insurance is available only to credit unions meeting the company's rigid requirements and standards of performance.
