Deposit Rates
Credit unions sometimes use language like share savings, share drafts and share certificates. Because our organization is member owned and operated, the terminology may be unfamiliar. However, the products work the same. A share savings is a savings account. A share draft is a checking account. A share certificate is a certificate account. We also offer Individual Retirement Accounts, Health Savings Accounts and Club accounts. Should you have any questions, please contact your local branch office.
All rates on this page are effective May 16, 2013
Rates are subject to change
APR stands for Annual Percentage Rate
APY stands for Annual Percent Yield
Regular fees or other conditions could reduce the yield.
Interest penalty is required for early withdrawals.
Dividends are paid either monthly or quarterly, see each section below.
Accounts are Federal Insured to at least $250,000 by NCUA, an agency of the U.S. Government
NCUA stands for National Credit Union Administration
IRA stands for Individual Retirement Account
ESA stands for Educational Savings Account
HSA stands for Health Savings Account
Share, IRA & ESA Certificates
Dividends are paid quarterly
| Account Type | Term | APR | APY | Min. Balance |
|---|---|---|---|---|
| Share, IRA & ESA Certificates | 3 Months | 0.30% |
0.30% | $1,000 |
| 6 Months | 0.40% | 0.40% | $1,000 | |
| 1 Year |
0.60% | 0.60% | $500 | |
| 18 Months | 0.70% | 0.70% | $500 | |
| 2 Years |
0.90% | 0.90% | $500 | |
| 3 Years | 1.25% | 1.26% | $500 | |
| 4 Years | 1.50% | 1.51% | $500 | |
| 5 Years | 2.00% | 2.02% | $500 |
Premium Savings
Dividends are paid monthly
| Account Type | APR | APY |
Min. Balance |
|---|---|---|---|
| Premium Savings |
0.25% |
0.25% | $2,000.00-$10,000.00 |
| 0.30% | 0.30% | $10,000.01-$50,000.00 | |
| 0.40% | 0.40% | $50,000.01-$100,000.00 | |
| 0.50% | 0.50% | $100,000.01 & Over |
IRA & ESA Club Account
Dividends are paid quarterly
| Account Type | APR | APY |
Min. Balance |
|---|---|---|---|
| IRA & ESA Club Account |
0.25% |
0.25% | $100 |
Share Accounts
Dividends are paid quarterly
| Account Type | APR | APY |
Min. Balance |
|---|---|---|---|
| Share Account |
0.20% |
0.20% | $0-$100.00 |
| 0.20% | 0.20% | $100.01-$500.00 | |
| 0.20% | 0.20% | $500.01 & Over |
Draft & HSA Account
Dividends are paid quarterly
| Account Type | APR | APY |
Min. Balance |
|---|---|---|---|
| Draft & HSA Account |
0.00% |
0.00% | $0.00-$2,500.00 |
| 0.10% | 0.10% | $2,500.01 & Over |
