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certificates

Certificates Rate APY* Term
Share Certificate Min. Bal. $1000-91 Day 0.550 0.550 3
Share Certificate Min. Bal. $1000-6 Months 0.700 0.700 6
Share Certificate Min. Bal. $1000-1 Yr 1.000 1.000 12
Share Certificate Min. Bal. $1000-1.5 Yr 1.290 1.300 18
Share Certificate Min. Bal. $1000-2.5 Yr 1.390 1.400 30
Share Certificate Min. Bal. $1000-4 Yr 2.080 2.100 48
Share Certificate Min. Bal. $1000-5 Yr 2.330 2.350 60
Investor Cert. Min. Bal. $5K-6 Months 0.750 0.750 6
Investor Cert. Min. Bal. $10K-6 Months 0.800 0.800 6
IRA Share Cert. Min. Bal. $1000-6 Months 0.700 0.700 6
IRA Share Cert. Min. Bal. $1000-1 Yr 1.000 1.000 12
IRA Share Cert. Min. Bal. $1000-2 Yr 1.340 1.350 24
IRA Share Cert. Min. Bal. $1000-3 Yr 1.690 1.700 36
IRA Share Cert. Min. Bal. $1000-5 Yr 2.330 2.350 60
IRA Share Cert. Min. Bal. $1000-7 Yr 2.570 2.600 84
Coverdell ESA S/C Min Bal. $1000-6 Months 0.600 0.600 6
Coverdell ESA S/C Min Bal. $1000-1 Yr 0.900 0.900 12
Coverdell ESA S/C Min Bal. $1000-2 Yr 1.250 1.250 24
Coverdell ESA S/C Min Bal. $1000-3 Yr 1.590 1.600 36
Coverdell ESA S/C Min Bal. $1000-5 Yr 1.980 2.000 60
Coverdell ESA S/C Min Bal. $1000-7 Yr 2.370 2.400 84

*APY = Annual Percentage Yield

  • For this account type, the dividend period is monthly.
  • Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period.
  • Minimum balance requirements may apply to receive the listed APY and are listed above for each account.
  • You must maintain the applicable average daily balance in your account to obtain the disclosed APY.
  • A penalty may be imposed for withdrawals before maturity.
  • The APY is based on the assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.
  • If your account has an original maturity of less than three years: the penalty that we may impose will be 183 days dividends whether earned or not.
  • If your account has an original maturity of three or more years: the penalty that we may impose will be 365 days dividends whether earned or not.
  • Jumbo Share Certificates are available for those members that have $100,000.00 or more in share certificates with our credit union within the same account number. For Jumbo Share Certificates, you earn an additional bonus of .10% A.P.Y. on any of our certificate rates listed above.

Rates are effective as of December 14, 2017.