Rates

Effective Date:  July 1, 2025

Business Savings & Checking
  Minimum Balance Requirement APY*
Savings $2.50 0.05%
Business Checking none 0.00%
Sub-Accounts none 0.05%
Dividend on average daily balances of $50.00 or more.

 

Business Money Market
Balance APY*
$2,500.00 to $9,999.99 0.05%
$10,000.00 TO $24,999.99 0.05%
$25,000.00 and over 0.05%
Dividend on average daily balances of $2,500.00 or more
3 free withdrawals per month, $5 fee for each withdrawal after 3

 

Business Certificates Accounts
  STANDARD RATES
New Money Not Required		 PROMOTIONAL RATES
New Money Required
Term Dividend Rate APY* Diviend Rate APY*

1 Month
30 to 59 days

 1.243% 1.25% 1.243% 1.25%

2 Months
60 to 89 days

 1.243% 1.25% 1.49% 1.50%
3 Months
90 to 179 days		 1.243%

1.25%

 2.96% 3.00%
6 Months
180 to 359 days		 1.342% 1.35% 3.203% 3.25%
12 Months
360 to 719 days		 1.44% 1.45% 3.445% 3.50%
24 Months
720 to 1,079 days		 1.539% 1.55% 3.445% 3.50%
36 Months
1,080 to 1,439 days		 1.638% 1.65% 3.445% 3.50%
48 Months
1,440 to 1,799 days		 1.736% 1.75% 3.445% 3.50%
60 Months
1,800 days		 1.835% 1.85% 3.445% 3.50%
$500 minimum deposit on certificates.  Rates may change without prior notice. 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; early withdrawal penalty could reduce earnings on the account.
Balances in excess of $250,000 are not insured by NCUSIF.

 

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.