RATES EFFECTIVE November 21, 2024
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Share Certificate
Dividends are compounded daily and paid monthly
| Account Type | Term | APR | APY | Min. Balance |
| Share Certificates | 3 Months | 0.95% | 0.95% | $500 |
| 6 Months | 4.20% | 4.28% | $500 | |
| 1 Year | 4.10% | 4.18% | $500 | |
| 18 Months | 4.00% | 4.07% | $500 | |
| 2 Years | 3.95% | 4.02% | $500 | |
| 3 Years | 3.80% | 3.87% | $500 | |
| 4 Years | 3.70% | 3.76% | $500 | |
| 5 Years | 3.70% | 3.76% | $500 |
YES High Yield
Dividends are compounded daily and paid monthly
| Account Type | APR | APY | Min. Balance |
| Share Draft | 0.00% | 0.00% | $0-$2,500.00 |
| 3.00% | 3.04% | $2,500.01-$10,000.00 | |
| 1.00% | 1.00% | $10,000.01-$15,000.00 | |
| 0.05% | 0.05% | $15,000.01 & Over |
Individual Retirement Account Certificate (IRA)
Dividends are compounded daily and paid monthly
| Account Type | Term | APR | APY | Min. Balance |
| IRA Certificates | 3 Months | 0.95% | 0.95% | $500 |
| 6 Months | 4.20% | 4.28% | $500 | |
| 1 Year | 4.10% | 4.18% | $500 | |
| 18 Months | 4.00% | 4.07% | $500 | |
| 2 Years | 3.95% | 4.02% | $500 | |
| 3 Years | 3.80% | 3.87% | $500 | |
| 4 Years | 3.70% | 3.76% | $500 | |
| 5 Years | 3.70% | 3.76% | $500 |
Education Savings Account Certificate (ESA)
Dividends are compounded daily and paid monthly
| Account Type | Term | APR | APY | Min. Balance |
| ESA Certificates | 3 Months | 0.95% | 0.95% | $500 |
| 6 Months | 4.20% | 4.28% | $500 | |
| 1 Year | 4.10% | 4.18% | $500 | |
| 18 Months | 4.00% | 4.07% | $500 | |
| 2 Years | 3.95% | 4.02% | $500 | |
| 3 Years | 3.80% | 3.87% | $500 | |
| 4 Years | 3.70% | 3.76% | $500 | |
| 5 Years | 3.70% | 3.76% | $500 |
Premium Savings
Dividends are compounded daily and paid monthly
| Account Type | APR | APY | Min. Balance |
| Premium Savings | 1.50% | 1.51% | $2,000.00-$10,000.00 |
| 2.00% | 2.02% | $10,000.01-$50,000.00 | |
| 2.30% | 2.32% | $50,000.01-$100,000.00 | |
| 2.95% | 2.99% | $100,000.01 & Over |
Club Accounts
Dividends are compounded daily and paid monthly.
| Account Type | APR | APY | |
| Escrow Club | 0.12% | 0.12% | |
| Christmas/Multipurpose Club | 0.20% | 0.20% | |
| Traditional/Roth/ESA Club | 0.40% | 0.40% | Minimum balance $100 |
Rates may change after the account is opened.
Share Accounts
Dividends are compounded daily and paid monthly
| Account Type | APR | APY | Min. Balance |
| Share Account | 0.15% | 0.15% | $0-$100.00 |
| 0.15% | 0.15% | $100.01-$500.00 | |
| 0.15% | 0.15% | $500.01 & Over |
Draft & Health Savings Account (HSA)
Dividends are compounded daily and paid monthly
| Account Type | APR | APY | Min. Balance |
| Draft & HSA Account | 0.00% | 0.00% | $0.00-$2,500.00 |
| 0.05% | 0.05% | $2,500.01 & Over |
The rates and yields appearing in this Rate and Fee Schedule are accurate for accounts as of the effective date indicated on the top of this page. If you have any questions or require current rate information on your accounts, please call The County Federal Credit Union. Rate and Fees are subject to change. Not responsible for typographical errors.
TRUTH-IN-SAVINGS ACCOUNT DISCLOSURE
Except as specifically described, the following disclosures apply to all of the above accounts.
- Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts, as of the last Dividend Declaration Date, are set forth in the Rate and Fee Schedule. The Annual Percentage Yield 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 Annual Percentage Yield may change at any time as determined by the Credit Union’s Board of Directors. On Share Certificates and Share Certificate IRAs, the Annual Percentage Yield is based on the assumption that the dividends will remain on deposit until maturity. A withdrawal will reduce earnings.
- Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period.
- Compounding and Crediting. Dividends will be compounded and credited as set forth in the Rate and Fee Schedule. The Dividend Period begins on the first calendar day of the month and ends on the last calendar day of the month.
- Accrual of Dividends. Dividends will begin to accrue on cash deposits and noncash deposits (e.g., checks) on the business day you make the deposit to your account.
- Balance Information. The Rate and Fee Schedule outlines the minimum balance required to open each account. Minimum balances are calculated using the Average daily balance method. Dividends are also calculated using the Average Daily Balance method. The Average Daily Balance method is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in that dividend period.
- Account Limitations. Limitations for each account are outlined in the Rate and Fee Schedule. For a Share/Savings Account or Premium Savings Account in which transfer limitations apply, no more than six (6) preauthorized, automatic telephone transfers or transfers made by check, draft, or debit card may be made from these accounts to another account of yours or to a third party in any month. If you exceed these limitations, your account may be subject to a fee or be closed. On Share Certificates and Share Certificate IRAs, after your account is opened, you may make dividend withdrawals without penalty.
- Maturity. On Share Certificates and Share Certificate IRAs, your certificate will mature within the term set forth above or the maturity date set forth on your Certificate or Maturity Notice. The Credit Union will give the owner at least 30 days’ notice prior to maturity.
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