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Regular Fixed Rate Certificates
Current as of 3/1/2023| Min. Opening Deposit | Term | APY1 | Dividend Rate |
|---|---|---|---|
| $1,000 | 6 months | 2.96% | 2.928% |
| 1 year | 2.91% | 2.879% | |
| 14 months2 | 3.85% | 3.796% | |
| 18 months | 2.47% | 2.447% | |
| 2 years | 3.74% | 3.689% | |
| 30 months | 3.77% | 3.718% | |
| 3 years | 3.71% | 3.659% | |
| 4 years | 3.33% | 3.289% | |
| 5 years | 3.38% | 3.338% | |
| $90,000 | 6 months | 3.01% | 2.977% |
| 1 year | 2.96% | 2.928% | |
| 18 months | 2.52% | 2.497% | |
| 2 years | 3.79% | 3.737% | |
| 30 month | 3.82% | 3.766% | |
| 3 years | 3.76% | 3.708% | |
| 4 years | 3.38% | 3.338% | |
| 5 years | 3.43% | 3.387% | |
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. |
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Bump Up Certificate Rates
1One rate increase per certificateCurrent as of 3/1/2023
| Minimum Deposit | Term | APY2 | Dividend Rate |
|---|---|---|---|
| $10,000 | 24 months | 3.69% | 3.640% |
| 60 months | 3.33% | 3.289% | |
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.. |
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Grow With Me Certificate Rates
Current as of 3/1/2023| Balance | Term | APY1 | Dividend Rate |
|---|---|---|---|
| Balances to $50,000 | Until age 18 | 4.00% | 3.941% |
| Over $50,000 | Until age 18 | 4.00-0.15% | 0.150% |
1APY = Annual Percentage Yield; Dividends are paid quarterly. Rates may change annually in July. A 365-day dividend penalty will be assessed on early withdrawals on certificates. 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. |
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Individual Retirement Account (IRA) Certificate Rates
Current as of 3/1/2023| Min. Opening Deposit | Term | APY* | Dividend Rate |
|---|---|---|---|
| $1,000 | 1 year | 2.96% | 2.928% |
| 2 years | 3.79% | 3.737% | |
| 3 years | 3.76% | 3.708% | |
| 5 years | 3.43% | 3.387% | |
| $90,000 | 1 year | 3.01% | 2.977% |
| 2 years | 3.84% | 3.786% | |
| 3 years | 3.81% | 3.757% | |
| 5 years | 3.48% | 3.435% | |
*APY = Annual Percentage Yield; Dividends are paid quarterly. Early withdrawals from certificates will only have a dividend penalty if the account holder is less than 70 1/2 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. |
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