Smart Checking1 Effective Date: 2017-08-01
TypeMinimum to Open and Earn APYDividend RateAPY
Base Rate¹$250.00%0.00%
Smart Rate 1²$250.50%0.50%
Smart Rate 2³$251.00%1.00%
Cap Rate*$250.05%
Qualifying conditions met:
Smart Rate 1 - Balances from $50,000.01 to $100,000Will range from 0.50% to 0.28%
Smart Rate 2 - Balances from $50,000.01 to $100,000Will range from 1.00% to 0.53%
$100,000 assumed balance for the purpose of disclosure only

    1) APY = Annual Percentage Yield. The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened. Base Rate applies when qualifying conditions are not met or when member has 0-20 debit card transactions for the month.
    2) Smart Rate 1 APY paid monthly on daily balances up to $50,000.00 when members meet qualifying conditions and have 21-40 debit card transactions for the month.
    3) Smart Rate 2 APY paid monthly on daily balances up to $50,000.00 when members meet qualifying conditions and have 41 or more debit card transactions for the month.
    * Cap Rate APY paid monthly on balance above $50,000.00 when qualifying conditions are met. The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.


Classic Checking1 Effective Date: 2017-10-01
Deposit AmountMinimum to Open and Earn APYDividend RateAPY²
($25.00 & Above)$250.00%0.00%

    1) APY = Annual Percentage Yield. The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened. Minimum opening deposit is $25; no minimum balance requirement.
    2) The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.


Regular Share1 Effective Date: 2017-10-01
Deposit AmountMinimum to Open and Earn APYDividend RateAPY²
($999.99 or Below)$50.05%0.05%
($1,000.00-$24,999.99)$50.05%0.05%
($25,000.00-$49,999.99)$50.10%0.10%
($50,000.00 and Above)$50.10%0.10%

    1) APY = Annual Percentage Yield. The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened.
    2) The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.


Money Market1 Effective Date: 2017-10-11
Deposit AmountMinimum to Open and Earn APYDividend RateAPY²
($999.99 or Below)$1,0000.00%0.00%
($1,000.00 - $24,999.99)$1,0000.15%0.15%
($25,000.00 & Above)$1,0000.20%0.20%

    1) APY = Annual Percentage Yield. The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened.
    2) The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.


Club Account1 Effective Date: 2017-08-01
Deposit AmountMinimum to Open and Earn APYDividend RateAPY²
($999.99 or Below)$50.05%0.05%
($1,000.00-$24,999.99)$50.05%0.05%
($25,000.00-$49,999.99)$50.10%0.10%
($50,000 and Above)$50.10%0.10%

    1) APY = Annual Percentage Yield. The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened.
    2) The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.


Certificates1 Effective Date: 2017-10-11
TermMinimum to Open and Earn APYDividend RateAPY³
91-Day$1,0000.25% 0.25%²
182-Day$1,0000.45% 0.45%²
12-Month$1,0000.85% 0.85%
18-Month$1,0000.95% 0.95%
24-Month$1,0001.14% 1.15%
36-Month$1,0001.44%1.45%
48-Month$1,0001.54%1.55%
60-Month$1,0001.74%1.75%

    1) For all Certificate Accounts, a penalty may be imposed for early withdrawal. For all Certificate Accounts, the Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.
    2) The APY shown for the 91-Day and 182-Day Certificates assumes multiple maturities in one year.
    3) The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.


Certificate Advantage - Regular Certificate1 Effective Date: 2017-10-11
TermMinimum to Open and Earn APYDividend RateAPY²
12-Month$5000.85%0.85%
24-Month$5001.14%1.15%
36-Month$5001.44%1.45%
48-Month$5001.54%1.55%
60-Month$5001.74%1.75%

    1) For all Certificate Accounts, a penalty may be imposed for early withdrawal. For all Certificate Accounts, the Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.
    2) The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.


IRA Contributory1 Effective Date: 2017-10-11
Minimum to Open and Earn APYDividend RateAPY¹
$500.25%0.25%

    1) The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.


IRA Certificates1 Effective Date: 2017-10-11
TermMinimum to Open and Earn APYDividend RateAPY²
12-Month$1,0000.85%0.85%
18-Month$1,0000.95%0.95%
24-Month$1,0001.14%1.15%
36-Month$1,0001.44%1.45%
48-Month$1,0001.54%1.55%
60-Month$1,0001.74%1.75%

Certificate Advantage - IRA Certificate1 Effective Date: 2017-10-11
TermMinimum to Open and Earn APYDividend RateAPY²
12-Month$5000.85%0.85%
24-Month$5001.14%1.15%
36-Month$5001.44%1.45%
48-Month$5001.54%1.55%
60-Month$5001.74%1.75%

    1) For all Certificate Accounts, a penalty may be imposed for early withdrawal. For all Certificate Accounts, the Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.
    2) The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.