Savings Rates
Effective Date: September 1, 2010
Investment Products Minimum Balance Requirement APY*
Savings $5.00 0.25%
Dividend on average daily balances of $50.00 or more
Performance Checking

               none

       0.0%

PerformancePLUS Checking none 1.00%
Dividend on average daily balances of $250.00 or more. Fees may reduce earnings.
Sub-Accounts none 0.25%
Includes; Holiday, Special, Escrow, Vacation, Summer Loan Payments
Dividend on average daily balances of $50.00 or more
Student Accounts $5.00 0.25%
Dividend on average daily balances of $50.00 or more
Money Market APY*
$50.00 to $2,499.99 0.25%
$2,500.00 to $9,999.99 0.25%
$10,000.00 to $24,999.99 0.50%
$25,000.00 and over 0.50%
Dividend on average daily balances of $50.00 or more
3 free withdrawals per month, $5.00 fee for each withdrawal after 3
Certificate Accounts APY*
3 Month      1.00%
6 Month 0.60%
12 Month 0.90%
24 Month 1.40%
36 Month 2.10%
$500 minimum deposit on certificates. 
We may impose a penalty if you withdraw any of the principal before the maturity date.
The amount of the early withdrawal penalty for your account is 90 days dividends.
Balances in excess of $250,000 are not insured by NCUSIF  

Early withdraw penalty could reduce the earnings on the account.

CONTACT US FOR SPECIAL 90 Day ROLL OVER CERTIFICATE RATES AND TERMS

IRA Savings APY*
IRA Shares 0.96%
Dividend on average daily balances of $50.00 or more

IRA Certificate Accounts APY*
6 Month 1.00%
12 Month 1.50%
24 Month 2.00%
36 Month 2.50%
$500 minimum deposit on certificates.
We may impose a penalty if you withdraw any of the principal before the maturity date.
The amount of the early withdrawal penalty for your account is 90 days dividends.
Balances in excess of $250,000 are not insured by NCUSIF   
Early withdrawal penalty could reduce the earnings on the account.

Please Note:

  • * All rates disclosed above are done so by using the APY (Annual Percentage Yield)
  • Any fees imposed could reduce earnings on any account.
  • The Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union’s Board of Directors.
  • The Dividend Rates and Annual Percentage Yields are the rates and yields as of the last dividend declaration date.
  • All rates are subject to change without notice. Please call 518.583.2323 to verify that these rates are current.