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Deposit Products & Rates
We have a savings option for every situation. Some provide liquidity, others allow you to lock in a rate for short or long term investing, and all offer competitive yields that are generally higher than banks. Plus, your deposits are federally insured up to $250,000 by the National Credit Union Administration, a U.S. government agency. This gives you security that stocks, bonds, mutual funds and other investment options can't provide.
Savings Rates
Prime Savings
- $10 minimum cash opening deposit and $3 one-time opening fee
- Balances of $300 or more earn dividends
- Dividends paid and compounded quarterly
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Christmas Club
- No minimum deposit
- Unlimited additional deposits permitted
- Funds automatically transferred to savings or checking on October 31
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Vacation Club
- Set-aside account reduces temptation to spend for other purposes
- No minimum deposit
- Dividends paid on balances of $300 or more
- Dividends paid and compounded quarterly
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Money Management Accounts
- Minimum opening deposits of $5,000
- Dividends paid and compounded quarterly
- Additional deposits and withdrawals permitted*
- Posted dividends may be withdrawn at any time
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Money Market Accounts
- Minimum opening deposit of $2,500
- Additional deposits and withdrawals permitted*
- Dividends paid and compounded monthly
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Savings Growth Account
- $300 minimum opening deposit
- Additional deposits and withdrawals are permitted
- Dividends compounded and paid monthly
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US Series EE - Savings Bonds
- Bonds from $25 to $1,000 available
- Sold at one-half face value
- Interest compounded semi-annually and paid at redemption
Series EE Bonds are U.S. government issued and are not insured by the NCUA. |
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US Series I - Savings Bonds
- Tax-advantaged investment option
- Sold at face value and grows with inflation
- Protected earnings for up to 30 years
- Invest from $50 to $30,000 per year
- Can be liquidated into cash after 12 months
I Bonds are U.S. Government issued and are not insured by the NCUA.
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| Savings Rates |
| Effective Date: Thursday, March 11th, 2010 |
| Name | Dividend Rate | APY | Minimum Opening Deposit | Minimum Balance to Earn APY |
| Savings Account |
0.30% |
0.30% |
$10 |
$300 |
| Christmas Club |
0.75% |
0.75% |
$0 |
$300 |
| Vacation Club Account |
0.50% |
0.50% |
$0 |
$300 |
| Money Management Account |
0.75% |
0.75% |
$5,000 |
$5,000 |
| Money Market Account |
0.75% |
0.75% |
$2,500 |
$200 |
| Savings Growth Accounts: |
0.50% |
0.50% |
$300 |
$300 |
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0.50% |
0.50% |
$2,500 |
$2,500 |
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0.75% |
0.75% |
$10,000 |
$10,000 |
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1.00% |
1.00% |
$50,000 |
$50,000 |
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1.25% |
1.25% |
$90,000 |
$90,000 |
APY = Annual Percentage Yield, No service fees, Daily balance method, Account transfer limitations apply.
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Click here for Share Disclosure.
Certificate of Deposit Rates
- Terms from 90 days to five years
- $500 minimum opening deposit
- Interest compounded and credited monthly
- Credited interest may be deposited to another account
- A penalty may be imposed for the early withdrawal from Certificate of Deposit Accounts.
| Certificate Rates |
| Effective Date: Thursday, March 11th, 2010 |
| Term | Rate | APY | Minimum Opening Deposit |
| 90 Days |
0.50% |
0.50% |
$500 |
| 180 Days |
0.75% |
0.75% |
$500 |
| 365 Days |
1.25% |
1.26% |
$500 |
| 18 Months |
1.45% |
1.46% |
$500 |
| 2 Year |
1.65% |
1.66% |
$500 |
| 3 Year |
2.00% |
2.02% |
$500 |
| 4 Year |
2.30% |
2.32% |
$500 |
| 5 Year |
2.50% |
2.53% |
$500 |
| Fixed terms, interest compounded and credited monthly, additional deposits not allowed, automatic renewal. |
Click here for Certificate Disclosure.
IRA Rates
Individual Retirement Accounts
- Traditional and Roth IRAs, and Coverdell Education Savings Accounts
- May contribute through payroll deduction or direct deposit
- No enrollment or annual fees
- Your retirement funds are federally insured to $250,000 separate from and in addition to coverage on regular savings
| Individual Retirement Account |
| Effective Date: Thursday, March 11th, 2010 |
| APR* | APY |
| 1.25% |
1.25% |
| IRA Certificate Rates |
| Effective Date: Thursday, March 11th, 2010 |
| Term | Rate | APY | Minimum Opening Deposit |
| 1 Year |
1.25% |
1.26% |
$500 |
| 2 Year |
1.65% |
1.66% |
$500 |
| 3 Year |
2.00% |
2.02% |
$500 |
| 4 Year |
2.30% |
2.32% |
$500 |
| 5 Year |
2.50% |
2.53% |
$500 |
| Fixed terms, interest compounded and credited monthly, additional deposits not allowed, automatic renewal. |
All information on this page is subject to change without notice. Terms and rates are subject to member's creditworthiness. All rates and yields are subject to change without notice. You agree to abide by all terms and disclosures which the Credit Union may send you. Equal Opportunity Lender. Equal Housing Lender. Your savings are federally insured up to $250,000 by the National Credit Union Administration, a U.S. government agency. IRAs are insured separately up to an additional $250,000. APY=Annual Percentage Yield. APR=Annual Percentage Rate.
Click here for Share Disclosure.
Click here for Certificate Disclosure.
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