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Savings: Prospective Dividend Rates

 September & October 2014

Share Savings
Balances: Dividend Rate A.P.Y.
$50.00 - $499.99 0.05% 0.05%
$500.00 - $4,999.99 0.10% 0.10%
$5,000.00 - $9,999.99 0.20% 0.20%
$10,000.00 + 0.30% 0.30%

Christmas Club/Vacation Club
Balances: Dividend Rate A.P.Y.
$5.00 and over 0.15% 0.15%

Tax/Escrow Savings
Balances: Dividend Rate A.P.Y.
$5.00 and over 0.15% 0.15%

Youth Club (kids 16 & Under)
Balances: Dividend Rate A.P.Y.
$5.00 and over 0.25% 0.25%

I.R.A. Savings
Balances: Dividend Rate A.P.Y.
$500.00 and over 0.25% 0.25%

Regular Checking
Balances: Dividend Rate A.P.Y.

NOW Checking
Balances: Dividend Rate A.P.Y.
$500.00 and over 0.15% 0.15%

Ultra Checking
Balances: Dividend Rate A.P.Y.
$2,500.00 and over 0.25% 0.25%


Dividends are not paid on accounts under the minimum balance indicated above.

Savings dividend rates are declared by the Credit Union Board of Directors each month after considering earnings and required reserves. Savings dividends are never guaranteed and are subject to change at any time at the discretion of the Board of Directors.

NOW Checking and Ultra Checking Account Interest is credited monthly to the account. NOW Checking and
Ultra Checking rates are subject to change daily, and a $7.50 service charge if the account balance falls below $500.00 (NOW Account) $2,500.00 (Ultra Checking Account) at any time during the month. NOW and Ultra Checking Accounts do not earn interest during the time that they are below the minimum.

All accounts are subject to fee charges, please refer to the account agreement and fee schedules at credit union. Fees may affect earnings.

Term Share Accounts (Similar to CDs at Banks)
Rates as of 9-23-14 

Requires a $2,000.00 minimum deposit


Term Share Accounts (Similar to CDs at Banks)
Term Dividend Rate A.P.Y.
6 Months 0.25% 0.25%
12 Months 0.35% 0.35%
18 Months 0.45% 0.45%
24 Months 0.55% 0.55%

A.P.Y. = Annual Percentage Yield

Term Share Rates are locked in for the stated term. Term Share interest is credited monthly. New Term Share Accounts or Renewing Term Share Account rates are subject to change at any time based on market conditions.

Accounts are insured up to $250,000 by the National Credit Union Share Insurance Fund.