Savings Rates
Savings Rates - Rates below are current as of April 17, 2017
**Ask about the one-time rate update features on all share certificates. Effective August 1, 2012, the "Continuous Add-on" feature is not available.
* Dividends are based on the credit union's earnings at the end of the dividend period and cannot be guaranteed. All dividends are paid quarterly. Money Market Account dividends are paid monthly based on the average daily balance. Share deposits are insured by the National Credit Union Administration (NCUA) up to at least $250,000 for each depositor. IRA's are separately insured by NCUA up to at least $250,000. The above rates and terms are subject to change without notice. There is a substantial penalty for early withdrawal of certificate funds other than dividends. There may be a penalty for early withdrawal of IRA funds. APR = Annual Percentage Rate and APY = Annual Percentage Yield.
| Account Type |
Rate Type |
Minimum Balance |
Minimum to Earn Dividends | APR = Annual Percentage Rate | APY = Annual Percentage Yield |
|---|---|---|---|---|---|
| Share | Variable | $25.00 | $50.00 | 0.05% | 0.05% |
| Share Draft | N/A | N/A | N/A | 0.00% | 0.00% |
| Encore Checking | Variable | $500.00 | $500.00 | 0.05% | 0.05% |
| IRA Share | Variable | $25.00 | $50.00 | 0.25% | 0.25% |
| Money Market Effective October 1, 2011 | Rate Type |
Minimum Balance |
Minimum to Earn Dividends | APR = Annual Percentage Rate | APY = Annual Percentage Yield |
|---|---|---|---|---|---|
| Silver | Variable | $1,000* | $1,000* | 0.05% | 0.05% |
* If your balance falls below the minimum balance, your Money Market account will earn the corresponding Share Dividend rate.
| Share Certficates |
Rate Type |
Minimum Balance |
Minimum to Earn Dividends | APR = Annual Percentage Rate | APY = Annual Percentage Yield |
|---|---|---|---|---|---|
| 6 Months | Fixed | $1,000 | $1,000 | 0.50%** | 0.50% |
| 1 Year | Fixed | $1,000 | $1,000 | 0.75%** | 0.75% |
| 2 Year | Fixed | $1,000 | $1,000 | 1.10%** | 1.10% |
| 3 Year | Fixed | $1,000 | $1,000 | 1.25%** | 1.25% |
| 4 Year | Fixed | $1,000 | $1,000 | 1.45%** | 1.45% |
| 5 Year | Fixed | $1,000 | $1,000 | 1.70%** | 1.70% |
| 6 Months IRA | Fixed | $2,000 | $2,000 | 0.50%** | 0.50% |
| 1 Year IRA | Fixed | $2,000 | $2,000 | 0.75%** | 0.75% |
| 2 Year IRA | Fixed | $2,000 | $2,000 | 1.10%** | 1.10% |
| 3 Year IRA | Fixed | $2,000 | $2,000 | 1.25%** | 1.25% |
| 4 Year IRA | Fixed | $2,000 | $2,000 | 1.45%** | 1.45% |
| 5 Year IRA | Fixed | $2,000 | $2,000 | 1.70%** | 1.70% |