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Savings Rates

Savings Rates

Savings Products
Effective Date: 07/01/18 1
Account TypeAnnual Percentage Yield (APY)Minimum Deposit to Open AccountMinimum Daily Balance to Obtain APY
Member Share Savings 0.050% $5(2) >$0
Share Savings 0.050% $5 >$0
Regular Checking 0.010% $25 >$0
Flex Checking3
     Bonus Rate 1 5.000% $25 >$0
     Bonus Rate 2 2.000% $25 >$0
     Second Tiered Rate 0.300% $25 >$0
     Base Rate 0.010% $25 >$0
Sign & Save Savings 0.100% $0 >$0
Christmas Club 0.100% $0 >$0
Kids Club 0.100% $5 >$0
HSA Savings 0.100% $5(2) >$0
HSA Checking 0.250% $25 >$0
IRA Savings 0.100% $5(2) >$0
(MMSA) Money Market Share Accounts
     $1,000.00-$49,999.99 0.150% $1,000 ≥$1,000.00
     $50,000.00-$99,999.99 0.200% $1,000 ≥$50,000.00
     $100,000.00-$249,999.99 0.250% $1,000 ≥$100,000.00
     $250,000.00-$999,999.99 0.500% $1,000 ≥$250,000.00
     $1,000,000.00+ 0.900% $1,000 ≥$1,000,000.00
(eMMSA) Electronic Money Market Share Account4
(eBMMSA) Electronic Business Money Market Share Account4
     Less than $10,000 0.300% $10,000 >$0
     $10,000-$24,999 0.600% $10,000 ≥$10,000.00
     $25,000-$49,999 0.700% $10,000 ≥$25,000.00
     $50,000-$99,999 0.800% $10,000 ≥$50,000.00
     $100,000-$249,999 1.000% $10,000 ≥$100,000.00
     $250,000-$999,999 1.250% $10,000 ≥$250,000.00
     $1 million and greater 1.550% $10,000 ≥$1,000,000.00
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IRA, HSA, Share Certificates
Effective Date: 10/01/181
Account TypeAnnual Percentage Yield (APY)Minimum Deposit to Open AccountMinimum Daily Balance to Obtain APY
0.100% $500 $500
0.200% $500 $500
0.300% $500 $500
0.400% $500 $500
0.500% $500 $500
1.000% $500 $500
1.250% $500 $500
1.750% $500 $500
2.220% $1,000 $1,000
3.040% $1,000 $1,000
1Rates and terms subject to change without notice. Fees charged against the account may reduce earnings. Penalties: A penalty may be imposed for early withdrawal of all or part of an IRA, HSA, Share Certificate or Share Certificate special. 
2The Par value of a membership share in this credit union is $5.00. 
3Flex checking qualifications include: enrollment in eStatements and have at least one direct deposit or automatic debit post and clear your account per qualification cycle. Additionally, on balances up to $10,000 earn the APY for Bonus Rate 1 or Bonus Rate 2 based on the number of debit card purchases that post and clear your account per qualification cycle (50+ for Bonus Rate 1 and 20-49 for Bonus Rate 2). On the portion of your daily balance over $10,000, earn the APY for the Second Tiered Rate when you also have at least 20 debit card purchases post and clear the account per qualification cycle. The monthly statement will reflect a blended APY if you have balances in different tiers. If monthly qualifications are not met, you will still earn the Base Rate.

4A monthly service fee, as disclosed in the credit union’s fee schedule, will be imposed each month if you do not meet all of the following criteria: maintain an average daily balance of at least $10,000; have at least one electronic deposit of at least $100 post to the account; and enroll in online banking and eStatements. The dividend rate and annual percentage yield are variable based on tiered balance and paid at the tiered rates on the portion of your balance within each tier. The monthly statement will reflect a blended APY if you have balances in different tiers.
5APY effective October 1, 2018. Limited time offer only. Rates and terms subject to change without notice. 6-month penalty for early withdrawal. Fees could reduce earnings on this account. At maturity, share certificate automatically renews at then 6-month share certificate dividend rate. Dividend will compound and be credited to account monthly.
6APY effective August 1, 2018. Jumbo rate not available. Limited time offer only. Rates and terms subject to change without notice. 6-month penalty for early withdrawal. Fees could reduce earnings on this account. At maturity, share certificate automatically renews at then 36-month share certificate dividend rate. The credit union reserves the right to limit the amount of a certificate. Dividend will compound and be credited to account monthly.

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Equal Housing Lender ASI

Your savings insured to $250,000 per account.  By members' choice this institution is not federally insured.