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Share Savings, Share Draft Checking and Club Accounts
Account
APY*
Regular Share (Savings) 0.30%
Club Accounts (Christmas & Vacation Club) 0.30%
Share Draft (Checking) 0.10%

 *APY = Annual Percentage Yield.  As declared for Fourth Quarter 2013, October, November, and December, and accurate as of December 18, 2013.  Rates subject to change without notice.  Contact credit union to verify current rates and yields.  Dividends declared at end of each quarter, calculated on average daily balance, paid and compounded quarterly.  Minimum balance (par value) of Share account is $5.00.  Minimum balance for Club accounts is $5.00.  No minimum balance on Share Draft (Checking) account.




Share and IRA Certificates
Term APY*
6 months 0.450%
12 months 0.650%
24 months** 0.900%
36 months** 1.100%
48 months** 1.250%
60 months** 1.400%

 *APY = Annual Percentage Yield.  **Bump-Up option available on new certificates with 24 months or greater term.  Contact a Member Service Representative for details and restrictions.  Certificate yields effective February 29, 2012 and accurate as of December 18, 2013.  Rates subject to change without notice.  Contact credit union to verify current rates and yields.  Minimum deposit required to open certificate is $1,500.00.  Early withdrawal penalties may apply on share and IRA certificates.




Money Market Share Account
Tiers
Balance APY*
1st Tier $0.00 - $2,499 0.300%
2nd Tier $2,499.01 - $24,999 0.400%
3rd Tier $24,999.01 - $99,999 0.500%
4th Tier $99,999.01 - and above 0.600%

 *APY = Annual Percentage Yield.  Yields shown above effective March 1, 2012 and accurate as of December 18, 2013.  Rates subject to change without notice.  Contact credit union to verify current rates and yields.  Dividends declared first of each month, calculated based on average daily balance, and paid monthly.  Money Market Accounts require $2,500.00 minimum deposit.  Account will remain open with as little as $5.00 on deposit.  Withdrawals/ transfers in excess of three (3) per month incur $10.00 fee per transaction.




IRAs (Individual Retirement Accounts)
Description
APY*
Traditional and Roth IRAs, Coverdell Education Savings Account (Education IRA) 0.90%

 *APY = Annual Percentage Yield.  You may be able to increase your Retirement Account earnings by purchasing an IRA Certificate!  Call a Member Service Representative for more information.  IRA yields declared for Fourth Quarter 2013, October, November, and December, and accurate as of December 18, 2013.  Rates subject to change without notice.  Contact credit union to verify current rates and yields.  Dividends declared at end of each quarter, calculated on average daily balance, paid and compounded quarterly.  Minimum deposit required to open an IRA account is $100.00.






APY - Annual Percentage Yield.
Rates subject to change without notice.

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