Current Share Rates

Rates Effective as of February 14, 2018

APY = Annual Percentage Yield
APY and dividend rates may change at any time as determined by the credit union board of directors

Shares / Regular & IRA Dividend Rate APY
Shares 0.05 0.05
IRA Shares 0.05 0.05
Money Market Dividend Rate APY
$2,500 to $24,999 0.10 0.10
Over $25,000 0.15 0.15
Share Certificate Dividend Rate APY
91 Day 0.25 0.25
6 Month 0.65 0.65
1 Year 1.25 1.26
18 Month 1.30 1.31
2 Years 1.45 1.46
3 Years 1.70 1.71
4 years 2.00 2.02
5 years 2.50 2.53
IRA Share Certificate Dividend Rate APY
91 Day 0.25 0.25
6 Month 0.65 0.65
1 Year 1.25 1.26
18 Month 1.30 1.31
2 Years 1.45 1.46
3 Years 1.70 1.71
4 years 2.00 2.02
5 years 2.50 2.53
A Minimum balance of $25.00 is required to open a Share Account.
A Minimum balance of $1,000.00 is required to open a Share Certificate.
A Minimum balance of $2,500.00 is required to open a Money Market Account.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) – Member term accounts will be subject to early withdrawal penalties amounting to 3% of the total withdrawal amount.

In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

Withdrawal of dividends prior to maturity - the annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

Recreational Vehicles, boats and Motor homes with terms longer than 72-75 month terms will follow the rate structure above with an additional 0.25% for every additional 12 month period.                                   

Extended terms are allowed with a maximum term of 120 months.  Each 12 month increase in term will add an additional .25% over the stated 72 month term above.                                                                     

Street legal motorcycles follow the Auto term rates listed above.  

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