Choose the program that's right for you
Take advantage of our unique tiered interest rates on most of our saving and investment programs.
The more you save...the more you earn
Effective April 17, 2008. All rates are subject to change without notice.
Click on the account type below for current rates and more information.
Checking that earns interest.
Sometimes it's just not convenient to transfer funds from your savings to checking all the time. For those who want to keep a higher balance in their checking account we have tiered rates on our interest earning checking accounts.
Begin earning interest on balances as low as $300. Prime Savings can be linked to your Prime Checking account and can be used to provide overdraft protection as well.
Love Christmas shopping but hate the bills?
With as little as $5.00 you can open a Christmas Club account and save all year for Christmas. Payroll deduction transfers are available to make depositing easy.
Earns like a CD with as little as $2,000.
Perfect when you want to invest $2,000 to $10,000 for a set time and still earn a great return. Terms from 3 to 60 months.
Need something more flexible than a traditional CD?
Certificate accounts with the added flexibility of up to 8 transactions. Deposit $4,000 to $10,000 for great certificate returns and make up to 8 transactions (withdrawals or deposits) during the term of the certificate.
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Invest with confidence.
T-Bill rates for terms from 6 to 60 months. $10,000 minimum.
Larger investments deserve larger returns.
Competitive certificate rates for balances above $90,000.
Invest in your future.
Fixed and variable rate investments for your retirement account.
Teach your kids to be lifelong savers.
Kids can watch their balance grow as they learn good saving habits.
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| PREMIUM & HERITAGE
CHECKING
Dividends and Annual Percentage
Yields are calculated on the daily balance and paid monthly
for the tiered rates on the incremental plateaus as follows:
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|
Rate |
APY (Annual
Percentage Yield) |
| $0 to $1,499 |
0.00% |
0.00% |
| $1,500 to $4,999 |
0.25% |
0.26% |
| $5,000 to $14,999 |
0.50% |
0.51% |
| $15,000 to $29,999 |
0.50% |
0.51% |
| $30,000 and up |
0.75% |
0.76% |
Effective
April 17, 2008. All rates are subject to change without notice. |
|
| PRIME
SAVINGS & CHRISTMAS CLUB
Dividends and Annual Percentage
yields are calculated on the average daily balance and paid
monthly for the tiered rates on the whole balance as follows:
Christmas Club: $5 minimum. Disbursements
are made during the first week of October for all but $5 in the
account. This account will continue every year as long as you continue
to make deposits Payroll deduction transfers are available.
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|
Rate |
APY (Annual
Percentage Yield) |
| $0 to $49 |
0.00% |
0.00% |
| $50 to $999 |
0.25% |
0.25% |
| $1,000 to $69,999 |
0.50% |
0.51% |
| $70,000 and up |
0.75% |
0.76% |
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| Effective
April 17, 2008. All rates are subject to change without notice. |
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| SMALL
SAVER ACCOUNTS
$2,000 minimum. Dividends paid
monthly. No addition are permitted after the account is opened.
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|
Rate |
APY (Annual
Percentage Yield) |
| 6 months |
2.55% |
2.58% |
| 12 months |
2.60% |
2.63% |
| 24 months |
2.75% |
2.78% |
| 36 months |
3.00% |
3.04% |
| Effective
April 17, 2008. All rates are subject to change without notice. |
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| FLEX
CERTIFICATE ACCOUNTS
$4,000 minimum - $20,000 maximum.
Allows up to 8 transactions (withdrawals or deposits) without
penalty
during term of account. Cannot go above or below account limits.
Dividends paid monthly.
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|
Rate |
APY (Annual
Percentage Yield) |
| 6 months |
1.00% |
1.01% (6 transactions) |
| 12 months |
1.00% |
1.01% (6 transactions) |
| 24 months |
1.75% |
1.76% (6 transactions) |
| 36 months |
2.00% |
2.02% (8 transactions) |
| Effective
April 17, 2008. All rates are subject to change without notice. |
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| T-BILL
ACCOUNTS
$10,000 minimum. Dividends can
be paid either monthly or quarterly. Dividends can be mailed,
deposited into another account, or compounded (quarterly only).
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|
Rate |
APY (Annual
Percentage Yield) |
| 6 months |
2.65% |
(2.68% comp.) |
| 12 months |
2.70% |
(2.73% comp.) |
| 24 months |
2.85% |
(2.89% comp.) |
| 36 months |
3.10% |
(3.14% comp.) |
| Effective
April 17, 2008. All rates are subject to change without notice. |
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| JUMBO
ACCOUNTS
$100,000 minimum. Dividends can
be paid either monthly or quarterly. Dividends can be mailed,
deposited into another account, or compounded (quarterly only).
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Rate |
APY (Annual
Percentage Yield) |
| 6 months |
2.70% |
(2.73% comp.) |
| 12 months |
2.75% |
(2.78% comp.) |
| 24 months |
2.90% |
(2.94% comp.) |
| 36 months |
3.15% |
(3.20% comp.) |
| Effective
April 17, 2008. All rates are subject to change without notice. |
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| IRA - Variable $50
minimum. The current dividend rate is 1.30% with an Annual Percentage
Yield of 1.32%.
Dividends are paid monthly on the
average daily balance. The term for your deposit is 18 months
and there is a 180 day loss of dividends for early withdrawal.
You may, however, move the funds into a fixed IRA certificate
at this credit union at any time. Additional deposits may be
made and can be arranged on a payroll deduction method.
IRA - FIXED
Fixed rate certificates are available at the same rates and terms
as listed for our Small Saver, T-Bill,
and Jumbo certificates. |
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Effective
April 17, 2008. All rates are subject to change without notice. |
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| YOUTH ACCOUNTS The
minimum opening balance and low balance fee is waived for Youth Savings
Accounts owned by members under the age of 22. No withdrawals are
allowed until the account reaches the minimum account balance of $50.
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