Savings Rates

Savings Rates - Rates below are effective as of January 6, 2016

**Ask about the one-time rate update features on all share certificates. Effective August 1, 2012, the "Continuous Add-on" feature is not available.

* Dividends are based on the credit union's earnings at the end of the dividend period and cannot be guaranteed. All dividends are paid quarterly. Money Market Account dividends are paid monthly based on the average daily balance. Share deposits are insured by the National Credit Union Administration (NCUA) up to at least $250,000 for each depositor. IRA's are separately insured by NCUA up to at least $250,000. The above rates and terms are subject to change without notice. There is a substantial penalty for early withdrawal of certificate funds other than dividends. There may be a penalty for early withdrawal of IRA funds. APR = Annual Percentage Rate and APY = Annual Percentage Yield.


Account
Type
Rate
Type
Minimum
Balance
Minimum to Earn Dividends APR = Annual Percentage Rate APY = Annual Percentage Yield
Share Variable $25.00 $50.00 0.05% 0.05%
Share Draft N/A N/A N/A 0.00% 0.00%
Encore Checking Variable $500.00 $500.00 0.05% 0.05%
IRA Share Variable $25.00 $50.00 0.25% 0.25%

Money Market Effective October 1, 2011 Rate
Type
Minimum
Balance
Minimum to Earn Dividends APR = Annual Percentage Rate APY = Annual Percentage Yield
Silver Variable $1,000* $1,000* 0.05% 0.05%

  * If your balance falls below the minimum balance, your Money Market account will earn the corresponding Share Dividend rate.


Share
Certficates
Rate
Type
Minimum
Balance
Minimum to Earn Dividends APR = Annual Percentage Rate APY = Annual Percentage Yield
6 Months Fixed $1,000 $1,000 0.10%** 0.10%
1 Year Fixed $1,000 $1,000 0.20%** 0.20%
2 Year Fixed $1,000 $1,000 0.50%** 0.50%
3 Year Fixed $1,000 $1,000 1.15%** 1.15%
4 Year Fixed $1,000 $1,000 1.30%** 1.30%
5 Year Fixed $1,000 $1,000 1.50%** 1.50%
1 Year IRA Fixed $2,000 $2,000 0.45%** 0.45%
2 Year IRA Fixed $2,000 $2,000 0.60%** 0.60%
3 Year IRA Fixed $2,000 $2,000 1.25%** 1.25%
4 Year IRA Fixed $2,000 $2,000 1.40%** 1.40%
5 Year IRA Fixed $2,000 $2,000 1.60%** 1.60%

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