Deposit Account Rates

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Rates effective as of April 23, 2019

Checking Accounts

High Five Checking

Dividends
Dividend Rate
Annual Percentage Yield
Dividends Compounded
Dividends Credited
Dividend Period
** Rate Tiers
** Rate Tiers
Monthly
Monthly
Monthly
Balance Requirements
Minimum Opening Balance
*Minimum Required Balance
Balance Method
None
** Rate Tiers
Average Daily Method
Account Limitations
**Minimum Required Balance
to 
Obtain Annual Percentage
Yield 
for the Dividend Period.
**Rate Tiers
Balance # of
Trans.
Rate APY
$0-$4,999 0-9
10-24
25+
0.10%
2.50%
5.00%
0.10%
2.53%
5.12%
$5,000 and over 0-9
10-24
25+
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%

Prime Advantage Checking

Dividends
Dividend Rate
Annual Percentage Yield
Dividends Compounded
Dividends Credited
Dividend Period
** Rate Tiers
** Rate Tiers
Monthly
Monthly
Monthly
Balance Requirements
Minimum Opening Balance
*Minimum Required Balance
Balance Method
None
$10,000
Average Daily Method
Account Limitations

**Minimum Require Balance to
Obtain Annual Percentage Yield
for the Dividend Period.

**Rate Tiers
Balance Rate APY
Under $10,000  0.00% 0.00%
$10,000 to $24,999  0.01% 0.01%
$25,000 to $49,999.99 0.01% 0.01%
$50,000 and over 0.02% 0.02%

Step Up Checking,
Bridge Checking,
Teen Trailblazer Checking &
College Pathfinder Checking

Dividends
Dividend Rate
Annual Percentage Yield
Dividends Compounded
Dividends Credited
Dividend Period
0.00%
0.00%
Monthly
Monthly
Monthly
Balance Requirements
Minimum Opening Balance
*Minimum Required Balance
Balance Method
None
None
N/A
Account Limitations

N/A

Savings Accounts

Share Savings

Dividends
Dividend Rate
Annual Percentage Yield
Dividends Compounded
Dividends Credited
Dividend Period
** Rate Tiers
** Rate Tiers
Monthly
Monthly
Monthly
Balance Requirements
Minimum Opening Balance
*Minimum Required Balance
Balance Method
$5
$100.00
Daily Balance
Account Limitations

**Minimum Require Balance to
Obtain Annual Percentage Yield
for the Dividend Period.

**Rate Tiers

Balance

Rate

APY
Under $100.00 0.00%  0.00% 
$100-$499 0.01%  0.01% 
$500-$999.99 0.02% 0.02%
$1,000 & Higher 0.06% 0.06%

Club Savings

Dividends
Dividend Rate
Annual Percentage Yield
Dividends Compounded
Dividends Credited
Dividend Period
0.06%
0.06%
Monthly
Monthly
Monthly
Balance Requirements
Minimum Opening Balance
*Minimum Required Balance
Balance Method
$1.00 Holiday/$.01 Others
None
Average Daily Method
Account Limitations

N/A



Traditional IRA,
Roth IRA Savings,
Roth Conversion IRA,
Education IRA Savings

Dividends
Dividend Rate
Annual Percentage Yield
Dividends Compounded
Dividends Credited
Dividend Period
0.12%
0.12%
Monthly
Monthly
Monthly
Balance Requirements
Minimum Opening Balance
*Minimum Required Balance
Balance Method
N/A
None
Average Daily Method
Account Limitations

N/A

Money Market

Money Market

Dividends
Dividend Rate
Annual Percentage Yield
Dividends Compounded
Dividends Credited
Dividend Period
** Rate Tiers
** Rate Tiers
Monthly
Monthly
Monthly
Balance Requirements
Minimum Opening Balance
*Minimum Required Balance
Balance Method
$25
$2,500.00
Daily Balance
Account Limitations

**Minimum Required Balance to
Obtain Annual Percentage Yield
for the Dividend Period.

**Rate Tiers
Balance Rate APY
Under $2,500
$2,500-$9,999
$10,000-$24,999
$25,000-$49,999
$50,000 and over
0.00%
0.07%
0.08%
0.09%
0.10%
0.00%
0.07%
0.08%
0.09%
0.10%

KISS Money Market

Dividends
Dividend Rate
Annual Percentage Yield
Dividends Compounded
Dividends Credited
Dividend Period
** Rate Tiers
** Rate Tiers
Monthly
Monthly
Monthly
Balance Requirements
Minimum Opening Balance
*Minimum Required Balance
Balance Method
$25
N/A
Daily Balance
Account Limitations

**Minimum Require Balance to
Obtain Annual Percentage Yield
for the Dividend Period.

**Rate Tiers
Balance Rate APY
$0-$9,999 0.25% 0.25%
$10,000 and over 0.10% 0.10%

Premier Money Market (must have checking relationship)
Premier IRA Money Market

Dividends
Dividend Rate
Annual Percentage Yield
Dividends Compounded
Dividends Credited
Dividend Period
** Rate Tiers
** Rate Tiers
Monthly
Monthly
Monthly
Balance Requirements
Minimum Opening Balance
*Minimum Required Balance
Balance Method
$50,000.00
$2,500
Daily Balance
Account Limitations

**Minimum Require Balance to
Obtain Annual Percentage Yield
for the Dividend Period.

**Rate Tiers
Balance Rate APY
Under $2,500
$2,500-$9,999
$10,000-$24,999
$25,000-$49,999
$50,000-$99,999
$100,000-$249,999
$250,000 and over
0.00%
0.07%
0.08%
0.09%
0.10%
0.11%
0.12%
0.00%
0.07%
0.08%
0.09%
0.10%
0.11%
0.12%

Share Certificates

Youth Share Certificate 

Terms

Dividend Rate

APY**

5 months

5%

5.12

*Limit 1 (one) Youth Share Certificate per youth account; $100 minimum, $500 maximum

**APY = Annual Percentage Yield current as of 4/1/2019. Rate subject to change without notice.

Available through 4/30/19



Share Certificates

Jumbo Share Certificates

Minimum Opening Deposit
Dividends Compounded
Dividends Credit
Dividend Period
Balance Method
$500.00
Monthly
Monthly
Monthly
Daily Balance Method
$95,000.00
Monthly
Monthly
Monthly
Daily Balance Method
Term Dividend Rate APY Dividend Rate APY   
3 Months
5 Months (No Penalty)
6 Months
8 Months (No Penalty)
9 Months
1 Year
15 Months
18 Months (*Win-Win)
2 Years
3 Years
5 Years
7 Years
10 Years
1.00%
1.00%
1.10%
2.00%
2.00%
2.00%
2.00%
2.20%
2.25%
2.30%
2.70%
2.75%
2.90%
1.01%
1.01%
1.11%
2.02%
2.02%
2.02%
2.02%
2.22%
2.27%
2.33%
2.74%
2.79%
2.94%

1.05%
1.15%
2.05%
2.05%
2.05%
2.05%
2.25%
2.30%
2.35%
2.75%
2.80%
2.95%

1.06%
1.16%
2.07%
2.07%
2.07%
2.07%
2.27%
2.33%
2.38%
2.79%
2.84%
2.99%
*Win-Win - if rates go up, you may adjust your rate once, without impacting the maturity date.
Transaction Limitations - Penalties may apply for early withdrawal.
Additional Deposits
Dividend Withdrawal
Renewable
Not Allowed
Allowed
Automatic
Not Allowed
Allowed
Automatic

IRA Share Certificates

Special**

(Step-Up Certificate)

(Step-Up IRA Cert.)

Special Terms

N/A

Max of 5 per membership.
36-month term matures 5/31/2022,
rolls into an 8-month Certificate at maturity.
$10,000 minimum deposit.
Dividends & Requirements
Minimum Opening Deposit
Dividends Compounded
Dividends Credit
Dividend Period
Balance Method
N/A
Monthly
Monthly
Monthly 
Daily Balance Method
Term Dividend Rate APY            Dividend Rate APY           
5 Months (No Penalty)
8 Months (No Penalty)
9 Months
15 Months
18 Months (Win-Win*)
3 Years
5 Years
7 Years
10 Years
1.00% 
2.00% 
2.00% 
2.00% 
2.20% 
2.30% 
2.70% 
2.75% 
2.90%
1.01% 
2.02% 
2.02% 
2.02% 
2.22% 
2.33% 
2.74% 
2.79% 
2.94%
*Win-Win - if rates go up, you may adjust your rate once, without impacting the maturity date.

**Special – Step-Up Certificate and Step-Up IRA Certificate (See Rates Below, Details Above).

Opening Rate 2.00% 2.02% 2.00%

2.02%

5/31/2020 2.25% 2.28% 2.25% 2.28%
5/31/2021 3.25% 3.30% 3.25%

3.30%

Transaction Limitations - Penalties may apply for early withdrawal.
Additional Deposits
Dividend Withdrawal
Renewable
Not Allowed
Allowed
Automatic
Not Allowed
Allowed
*Automatic

Business Checking & Savings

Business Share Account

Minimum Opening Deposit - $25.00
Daily Average Balance Dividend Rate APY*
$25.00 - $99.99 0.00% 0.00%
$100 - $5,000 0.10% 0.10%
$5,000 - $10,000 0.15% 0.15%
over $10,000 0.16% 0.16%



Business Basic Checking

Requirements
Minimum average daily balance to avoid fee $0.00 in Checking Account
Monthly fee if account is below minimum average daily balance $0.00
Dividend Earning No

Business Choice Checking

Daily Average Balance Dividend Rate APY*
$0 - $2,499 0.00% 0.00%
$2,500 - $4,999 0.05% 0.05%
$5,000 and over 0.10% 0.10%

Business Money Market

Business Money Market

Dividends
Dividend Rate 
Annual Percentage Yield 
Dividends Compounded 
Dividends Credited 
Dividend Period
** Rate Tiers 
** Rate Tiers 
Monthly 
Monthly 
Monthly
Balance Requirements
Minimum Opening Balance 
*Minimum Required Balance 
Balance Method
$25 
$5,000.00
Daily Balance
Account Limitations

**Minimum Required Balance to
Obtain Annual Percentage Yield
for the Dividend Period.

**Rate Tiers
Balance Rate APY
Under $5,000
$5,000-$9,999
$10,000-$24,999
$25,000-$49,999
$50,000 and over
0.00%
0.07%
0.08%
0.09%
0.10%
0.00%
0.07%
0.08%
0.09%
0.10%

 

 

Disclosures

Rate Information - The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for a 365 day period. The Dividend Rate and APY may change daily.

Nature of Dividends - Dividends are paid from current income and available earnings after providing for the required reserves.

Compounding and Crediting - The Dividend Period begins on the first calendar day of each month and ends on the last calendar day of each month.

Accrual of Dividends - Dividends will begin to accrue on the business day you make your deposit.

Average Daily Balance Method - For share draft (checking), club account (savings), and IRA savings account, dividends and minimum balances are calculated by the Average Daily Balance Method, which is determined by adding the full amount of principal to the account for each day of the period and dividing that figure by the number of days in that period.

Daily Balance Method - For shares (savings) and money market accounts, dividends and minimum balances are calculated by the Daily Balance Method, which is determined by applying a daily periodic rate to the full amount of the balance in the account each day.

Transaction Limitations - The account limitations are set forth above as well as in the General Terms and Conditions of the Credit Union's Membership Agreement. 

FEDERALLY INSURED BY NCUA

Know your funds are safe and secure, backed by the complete confidence of the National Credit Union Administration (NCUA) – an independent United States government agency dedicated to protecting credit unions and our members.

All your deposits with us are federally insured by the NCUA up to $250,000. Visit www.NCUA.gov to learn more.