Current Share Rates

Rates Effective as of January 6, 2019

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	0.10	0.10
IRA Shares	0.10	0.10
Money Market	Dividend Rate	APY
$2,500 to $24,999	0.20	0.20
Over $25,000	0.30	0.30
Share Certificate	Dividend Rate	APY
91 Day	0.40	0.40
6 Month	1.15	1.16
1 Year	1.75	1.76
18 Month	1.80	1.82
2 Years	2.05	2.07
3 Years	2.40	2.43
4 years	2.45	2.48
5 years	2.75	2.79
IRA Share Certificate	Dividend Rate	APY
91 Day	0.40	0.40
6 Month	1.15	1.16
1 Year	1.75	1.76
18 Month	1.80	1.82
2 Years	2.05	2.07
3 Years	2.40	2.43
4 years	2.45	2.48
5 years	2.75	2.79

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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*SAVE $547.00 -- The average savings figure is a national average savings number from the previous 12 months of auto, homeowner and packaged policyholders’ savings when compared to the policyholders’ former premiums. Individual premiums and savings will vary. Insurance products which are available are not deposits of the Financial Institution and are not protected by any type of deposit insurance, are not obligations of or guaranteed by the Financial Institution, and may be subject to risk. Any insurance required as a condition of the extension of credit by the Financial Institution need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the customer’s choice.

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Routing and Transit Number: 311989001
USCU NMLS ID: 421480

This credit union is federally insured by the National Credit Union Administration, NCUA, a U.S. Government agency. Your savings are federally insured to at least $250,000 and backed by the full faith of the U.S. Government.
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