Deposit Rates

We strive to provide competitive deposit rates. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. We compute the balance in our share, share draft, and share certificate accounts to determine the dividends you will be paid by using the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. We calculate the average daily balance by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

This Rate Schedule states rates applicable to specified accounts and fees common to all accounts. The dividend rate and annual percentage yield stated for the term share accounts were accurate as of Apr 12, 2024, and are subject to change without notice. Please call the credit union for current rates.

Savings Accounts

  
      Account Name
      Rate Type
      Min. Opening
      Min. to Earn Div.
      APR*¹
      APY**²
    

  
      Share
      Variable
      $25.00
      $100.00
      0.150%
      0.15%
    

      Share Draft
      Variable
      $0.00
      $100.00
      0.010%
      0.01%
    

      Daruma/Holiday
      Variable
      $50.00
      $50.00
      0.100%
      0.10%
    

Account Name	Rate Type	Min. Opening	Min. to Earn Div.	APR*¹	APY**²
Share	Variable	$25.00	$100.00	0.150%	0.15%
Share Draft	Variable	$0.00	$100.00	0.010%	0.01%
Daruma/Holiday	Variable	$50.00	$50.00	0.100%	0.10%

Certificates

  
      Certificate Name
      Rate Type
      Min. Opening
      Min. to Earn Div.
      APR*¹
      APY**²
    

  
      6 Months
      Fixed
      $1,000.00
      $1,000.00
      2.60%
      2.632%
    

      12 Months
      Fixed
      $1,000.00
      $1,000.00
      2.850%
      2.888%
    

      24 Months
      Fixed
      $1,000.00
      $1,000.00
      2.35%
      2.375%
    

      36 Months
      Fixed
      $1,000.00
      $1,000.00
      2.1000%
      2.120%
    

Certificate Name	Rate Type	Min. Opening	Min. to Earn Div.	APR*¹	APY**²
6 Months	Fixed	$1,000.00	$1,000.00	2.60%	2.632%
12 Months	Fixed	$1,000.00	$1,000.00	2.850%	2.888%
24 Months	Fixed	$1,000.00	$1,000.00	2.35%	2.375%
36 Months	Fixed	$1,000.00	$1,000.00	2.1000%	2.120%

IRA Certificates

  
      IRA Certificate Name
      Rate Type
      Min. Opening
      Min. to Earn Div.
      APR*¹
      APY**²
    

  
      12 Months
      Fixed
      $500.00
      $500.00
      2.85%
      2.888%
    

IRA Certificate Name	Rate Type	Min. Opening	Min. to Earn Div.	APR*¹	APY**²
12 Months	Fixed	$500.00	$500.00	2.85%	2.888%

_{¹APR* = Annual Percentage Rate

²APY** = Annual Percentage Yield

Share/Share Draft Dividend Declaration Date: Mar 28, 2024

For the Period: Jan 01 - Mar 31, 2024

Your savings federally insured to at least $250,000 and backed by the full faith and the credit of the United States Government.}