Certificate Rates

Regular Fixed Rate Certificates

Current as of 10/1/2017
Min. Opening DepositTermAPY*Dividend Rate
$1,0006 months0.35%0.350%
1 year0.40%0.399%
18 months0.70%0.698%
2 years0.90%0.897%
30 months1.40%1.393%
3 years1.65%1.640%
4 years1.35%1.343%
5 years1.75%1.739%
$90,0006 months0.40%0.399%
1 year0.45%0.449%
18 months0.75%0.748%
2 years0.95%0.947%
30 months1.45%1.442%
3 years1.70%1.689%
4 years1.40%1.393%
5 years1.80%1.788%
IRA RMD^1 year0.50%0.499%

*APY = 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.
^IRA RMD certificates can only be funded by Required Minimum Distributions (RMD) from an IRA. There are no minimum deposits. All other standard certificate limitations apply.

One Penalty-Free Withdrawal (after 6 months) Certificate Rates

Current as of 9/1/2017
Min. Opening DepositTermAPY*Dividend Rate
$1,0002 years0.40%0.399%
$10,0002 years0.45%0.449%
$90,0002 years0.50%0.499%

*APY = Annual Percentage Yield; Dividends are paid quarterly. A 90-day dividend penalty will be assessed on early withdrawals on certificates less than 6 months from opening. 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.

Education Savings Account (ESA) Certificate Rates

Current as of 9/1/2017
Min. Opening DepositTermAPY*Dividend Rate
$1,0001 year0.40%0.399%
2 years0.85%0.847%
3 years1.10%1.096%
5 years1.50%1.492%
$10,0001 year0.50%0.499%
2 years1.00%0.996%
3 years1.25%1.244%
5 years1.90%1.887%

*APY = Annual Percentage Yield; Dividends are paid quarterly. 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 share account closed before accrued dividends are credited or for any certificate closed before maturity. Earnings may also be reduced by fees associated with some accounts.

Individual Retirement Account (IRA) Certificate Rates

Current as of 10/1/2017
Min. Opening DepositTermAPY*Dividend Rate
$1,0001 year0.45%0.449%
2 years0.95%0.947%
3 years1.70%1.689%
5 years1.80%1.788%
$90,0001 year0.50%0..499%
2 years1.00%0.996%
3 years1.75%1.739%
5 years1.85%1.837%

*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.

Grow With Me Certificate Rates

Current as of 9/1/2017
BalanceTermAPY*Dividend Rate
less than $50,000Until age 182.50%2.477%
$50,000 and overUntil age 180.15%0.150%

*APY = 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.