Saving & Checking Rates

Rates are accurate as of April 1, 2014.

Name Term

Compounded/

Credited

Minimum to Open Minimum Bal.
to Earn APY
Dividend
Rate (%)
Annual
Percentage
Yield (%)
Share Savings N/A Monthly $25.00 $100.00 0.100 0.10
Holiday Club Nov. 1 Monthly N/A $0.00 0.100 0.10
Vacation Club, Second Savings N/A Monthly N/A $0.00 0.100 0.10
Tiered Money Market & Business Money Market N/A Monthly $2,500.00

$2,500-$9,999.99

 

$10,000-$24,999.99

 

$25,000-$49,999.99

 

$50,000-$99,999.99

 

$100,000.00 and up

 

0.100

 

 

0.150

 

 

0.200

 

 

0.250

 

 

0.300

 

0.10

 

 

0.15

 

 

0.20

 

 

0.25

 

 

0.30

Classic Checking,
Second Chance Checking

N/A N/A $25.00 N/A N/A N/A
Preferred Checking, N/A Monthly $25.00 $2,500.00 0.000 0.00
Health Savings Account, IRA, Roth IRA, & Coverdell Tiered Money Market N/A Monthly N/A

below $2500.00

 

$2,500-$9,999.99

 

$10,000-$24,999.99

 

$25,000-$49,999.99

 

$50,000-$99,999.99

 

0.100

 

 

0.100

 

 

0.150

 

 

0.200

 

 

0.250

0.10

 

 

0.10

 

 

0.15

 

 

0.20

 

 

0.25

Mile High APY N/A Monthly N/A N/A 5.156% 5.280%

 

Share Certificate & IRA Share Certificate Rates

 

 

Term

Compunded/

Credited

$100.00 Dividend Rate (%) $100.00 Annual  Percentage Yield (%) $50,000.00+ Dividend Rate (%) $50,000.00+ Annual Percentage Yield (%)
3-5 months Monthly 0.150 0.15 N/A N/A
6-11 months*

Monthly

0.300 0.30 N/A N/A
12-23 months Monthly 0.499 0.50 N/A N/A
24-35 months Monthly 0.896 0.90 N/A N/A
36-47 months** Monthly 0.995 1.00 1.243 1.25
48-59 months** Monthly 1.243 1.25 1.490 1.50
60 months Monthly 1.638 1.65 1.884 1.90

*Deposits of $25 or more (including payroll deduction deposits) can be added to the 6-11 month term certificates at any time. Roth Conversion IRAs excluded.

**Contribution and rollover deposits are allowed at anytime when invested in a IRA share certificate with any term of 36 months or greater with a minimum transaction amount of $25.

All certificates automatically renewed for another term upon maturity.  All certificates subject to early withdrawal penalties: term of 12 months or less = 90 days dividends, terms over 12 months = 180 days dividends.  Share accounts at the credit union are variable rate accounts and dividend rates and annual percentage yields listed are subject to change without notice.

Fees may reduce earnings on accounts.

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