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Rates

*APY = Annual Percentage Yield. Rates Subject to Change. Fees May Reduce Earnings. For all accounts, if you close your account before accrued dividends are credited; accrued dividends will not be paid. **APR = Annual Percentage Rate. Rates effective as of today.


Balance APY*
$0 - $24,999.99 0.01%
$25,000 - $49,999.99 0.02%
$50,000 - $74,999.99 0.03%
$75,000 - $99,999.99 0.04%
$100,000 - $149,999.99 0.05%
$150,000 - $249,999.99 0.075%
$250,000+ 0.10%



Account Minimum to Earn Dividends APY*
Free Checking $500 0.01%
Second Chance Checking1 $500 0.01%
Christmas Club $0 0.10%
Vacation Club $0 0.10%
"You Choose" Savings $0 0.10%
IRA Accounts $0 0.35%
1 The purpose of the Second Chance checking is to offer those members who do not qualify for a non-fee checking the ability to have the service. The product will be offered to our members who currently have a beacon score of less than 550 and did not get approved through Chex Systems. Second Chance Checking comes with a $12 monthly service fee. Direct deposit is required. There will not be a fee the month the account is opened to allow the member time to set up the direct deposit.




Balance Minimum to Earn Dividends APY*
$0.00 - $24,999.99 $500 0.05%
$25,000.00 - $49,999.99 $500 0.10%
$50,000.00 - $74,999.99 $500 0.12%
$75,000.00 - $99,999.99 $500 0.15%
$100,000.00 - $149,999.99 $500 0.18%
$150,000.00 - $249,999.99 $500 0.21%
$250,000.00+ $500 0.24%



Term
Standard Certificate APY*
($500 - $99,999.99)
Jumbo Certificate APY*
($100,000 - $249,999.99)
Jumbo Plus Certificate APY*
($250,000+)
3 months 0.05% 0.07% 0.10%
6 months 0.07% 0.10% 0.12%
12 months 0.10% 0.20% 0.30%
18 months 0.12% 0.22% 0.32%
24 months 0.15% 0.20% 0.35%
30 months 0.18% 0.23% 0.28%
36 months 0.20% 0.25% 0.30%
48 months 0.30% 0.30% 0.35%
60 months 0.30% 0.40% 0.55%
 
Early withdrawal penalties: For Fixed Share Certificate Accounts, members agree to keep funds on deposit for a fixed period of time. Unless otherwise provided, partial withdrawals and additional deposits are not permitted. If we permit an early withdrawal of principal from a certificate, we may impose an early withdrawal penalty. Tax penalties also may apply to premature distributions from IRAs. If we permit a withdrawal of principal before the stated maturity, we may impose a penalty equal to six months of dividends payable over the term of the certificate whether earned or unearned. The penalty will be assessed based upon the portion of the principal that is withdrawn. We may elect not to impose a penalty for a withdrawal of principal following the death or adjudication of incompetence of any account owner if the account was opened before such adjudication and not extended or renewed after that date.




Term APY* Min. Balance to Earn APY*
36 months 0.20% $500
48 months 0.25% $500
60 months 0.30% $500

 
Early withdrawal penalties: For Fixed Share Certificate Accounts, members agree to keep funds on deposit for a fixed period of time. Unless otherwise provided, partial withdrawals and additional deposits are not permitted. If we permit an early withdrawal of principal from a certificate, we may impose an early withdrawal penalty. Tax penalties also may apply to premature distributions from IRAs. If we permit a withdrawal of principal before the stated maturity, we may impose a penalty equal to six months of dividends payable over the term of the certificate whether earned or unearned. The penalty will be assessed based upon the portion of the principal that is withdrawn. We may elect not to impose a penalty for a withdrawal of principal following the death or adjudication of incompetence of any account owner if the account was opened before such adjudication and not extended or renewed after that date.




Type APR**
Visa® Rewards Credit Card as low as 11.99%
 
The APR shown above reflects the current minimum Annual Percentage Rate offered. The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio, and aggregate credit score. Variable Rate The ANNUAL PERCENTAGE RATE is subject to change monthly on the first day of the billing cycle to reflect any change in the index and will be determined by the Prime Rate as of the last day of the previous month as published in the Wall Street Journal "Money Rates" table to which we add a margin. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the credit union will choose a new index which is based upon comparable information. Please contact one of our financial advocates to determine the rate and term for which you qualify. Rates may change without notice. Foreign transaction fees may apply. Not all applicants will qualify.












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