Certificate Rates
|
Term
|
Amount
|
With Draft Rate
|
With Draft APY*
|
Without Draft Rate
|
Without Draft APY*
|
|---|
|
6 Months
|
$500 - $5,000
|
0.25%
|
0.25%
|
0.15%
|
0.15%
|
|
$5,000.01 - $10,000
|
0.27%
|
0.27%
|
0.17%
|
0.17%
|
|
$10,000.01 - $90,000
|
0.29%
|
0.29%
|
0.19%
|
0.19%
|
|
12 Months
|
$500 - $5,000
|
0.30%
|
0.30%
|
0.20%
|
0.20%
|
|
$5,000.01 - $10,000
|
0.32%
|
0.32%
|
0.22%
|
0.22%
|
|
$10,000.01 - $90,000
|
0.35%
|
0.35%
|
0.25%
|
0.25%
|
|
24 Months
|
$500 - $5,000
|
0.40%
|
0.40%
|
0.30%
|
0.30%
|
| $5,000.01 - $10,000 |
0.42% |
0.42% |
0.32% |
0.32% |
| $10,000.01 - $90,000 |
0.45% |
0.45% |
0.35% |
0.35% |
| 36 Months |
$500 - $5,000 |
0.50% |
0.50% |
0.40% |
0.40% |
| $5,000.01 - $10,000 |
0.52% |
0.52% |
0.42% |
0.42% |
| $10,000.01 - $90,000 |
0.55% |
0.55% |
0.45% |
0.45% |
| 48 Months |
$500 - $5,000 |
0.60% |
0.60% |
0.45% |
0.45% |
| $5,000.01 - $10,000 |
0.65% |
0.65% |
0.50% |
0.50% |
| $10,000.01 - $90,000 |
0.70% |
0.70% |
0.60% |
0.60% |
|
Lucky Savers Certificate*
(12-Month)
|
$25.00 Plus |
0.50% |
0.50% |
.050% |
0.50% |
|
Savings Builder Certificate*
(12-Month)
|
$10.00 Plus |
0.50% |
0.50% |
0.35% |
0.35% |
All share certificate rates are stated as Annual Percentage Yield (APY). The dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the certificate. Dividends compound monthly. Maximum dollar amount for a share certificate is $90,000.00. Fees or other conditions could reduce the earnings on the account. Credit Union penalty for early withdrawals.
Share Certificates have a required minimum balance of $500. Members 18 years of age or less minimum balance required to open a share certificate is $100.00. A Savings Builder Certificate is a 12-month Share Certificate. Savings Builder Certificates start at $10.00 and there can be no partial withdrawals and if an early withdrawal is made, all dividends are lost in penalty. The Savings Builder Certificate does not renew at the end of the 12 month period but can be rolled into another savings or Share Certificate account at the credit union. Each pay period there must be a deposit of at least $10/weekly,$20/biweekly, or $40/monthly. Limit on this account to deposit is $2,500 per year.
Each Lucky Savers Certificate requires a minimum deposit of $25.00 and account holders must maintain a regular share account with a minimum balance of $5.00. Account holders may make additional deposits into that certificate throughout its term and are limited to one Lucky Savers Certificate. The initial deposit and all subsequent deposits mature 12 months after the date that the initial deposit is made.
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