Rates

Effective Date:  January 1, 2025

CHECKING Products
  Minimum Balance
Requirement		 APY*
Basic Checking none 0.00%
Premier Checking none 0.05%
High Yield Checking none 0.05%
Checking accounts earn dividends on average daily balances of $250.00 or more. Fees may reduce earnings.

 

Money Market CHECKING
Balance Dividend Rate APY*
$50.00 to $2,499.99 1.094% 1.10%
$2,500.00 to $9,999.99 1.223% 1.23%
$10,000.00 to $24,999.99 1.391% 1.40%
$25,000.00 to $249,999.99 1.785% 1.80%
$250,000 and over 0.000% 0.00%
Dividends earned on average daily balances of $50.00 to $250,000.  Maximum balances $250,000.

 

SAVINGS Products
  Minimum Balance
Requirement		 APY*
Savings $2.50 0.05%
Holiday Club None  

$0.01 to $5,000

   0.25%
Above $5,000   0.00%
Includes Sub-Accounts, Student Accounts, Holiday, Special, Escrow, Vacation and Summer Loan Payment Savings.  Dividend on average daily balances of $50.00 or more.

 

 

SHORT-TERM CERTIFICATE SPECIAL
NEW MONEY REQUIRED

Term Dividend Rate APY*
30 Day 3.93% 4.00%
60 Day 3.93% 4.00%
3 Month 3.93% 4.00%
6 Month 3.93% 4.00%

 

CERTIFICATE SPECIAL - NEW MONEY REQUIRED

NO PENALTY FOR EARLY WITHDRAWAL

Term Dividend Rate APY*
12 Month 1.39% 1.40%
24 Month 1.54% 1.55%
36 Month 1.59% 1.60%
48 Month 1.59% 1.60%
60 Month 1.69% 1.70%

 

STANDARD CERTIFICATE RATES
NEW MONEY NOT REQUIRED

Term Dividend Rate APY*
3 Month 1.17% 1.18%
6 Month 1.44% 1.45%
12 Month 1.39% 1.40%
24 Month 1.54% 1.55%
36 Month 1.59% 1.60%
48 Month 1.59% 1.60%
60 Month 1.69% 1.70%

Calculations are based on interest that is accrued daily but paid and compounded monthly through the CD term. Calculations assume 30 days per month and that monthly interest is reinvested in the CD. Actual earnings may vary and may be lower if the account is subject to backup withholdings or if dividends are withdrawn prior to the maturity date of the certificate.  $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.  For 30 to 60 days Certificate accounts, the amount of the early withdrawal penalty is 30 days dividends.  For all other certificate accounts, 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.

IRA Savings
  APY*
IRA Shares 0.25%
Dividend on average daily balances of $50.00 or more

 

IRA Certificate Accounts
Term APY*
1 Month
30 to 59 days		 0.05%
2 Months
60 to 89 days		 0.05%
3 Months
90 to 119 days		 0.05%
4 Months
120 to 179 days		 0.05%
6 Months
180 to 359 days		 0.10%
12 Months
360 to 719 days		 0.15%
2 Years
720 to 1,079 days		 0.15%
3 Years
1,080 to 1,439 days		 0.15%
4 Years
1,440 to 1,799 days		 0.15%
5 Years
1,800 to 2,159 days		 0.20%
6 Years
2,160 to 2,519 days		 0.20%
7 Years
2,520 days		 0.20%
$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.
The amount of early withdrawal penalty for the 48 Month, 60 Month, 72 Month and 84 Month IRA Certificate is 180 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.