Certificate Rates

¹APY = Annual Percentage Yield; Dividends are paid quarterly. A 90-day dividend penalty will be assessed on early withdrawals on certificates up to 3-year terms, and a 180-day penalty on early withdrawals from 4 and 5 year term certificates. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. ²At renewal, certificate will auto-renew into current one year certificate unless otherwise designated. Certificates are non-transferable and non-negotiable.

¹One rate increase per certificate term initiated by member. ²APY = Annual Percentage Yield; Dividends are paid quarterly. A 90-day dividend penalty will be assessed on early withdrawals from Bump Up certificates up to 3-year terms. A 180-day dividend penalty will be assessed on early withdrawals from Bump Up certificates with terms longer than three years. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts..

¹APY = Annual Percentage Yield. Dividends paid quarterly. Must be age 17 and under to qualify. $100 minimum deposit. Certificate matures on child's 18th birthday. Certificate rates may change annually in July. A 365-day dividend penalty will be assessed on early withdrawals. Balances over $50,000 will earn a reduced rate of 0.15% APY. Earnings may be reduced by fees. Membership required.

*APY = Annual Percentage Yield; Dividends are paid quarterly. Early withdrawals from Traditional IRA certificates will only have a dividend penalty if the account holder is less than 73 years of age. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.