| Type | Minimum to Open and Earn APY | Dividend Rate | APY | ||
|---|---|---|---|---|---|
| Base Rate¹ | $25 | 0.00% | 0.00% | ||
| Smart Rate 1² | $25 | 0.50% | 0.50% | ||
| Smart Rate 2³ | $25 | 1.00% | 1.00% | ||
| Cap Rate* | $25 | 0.05% | |||
| Qualifying conditions met: | |||||
| Smart Rate 1 - Balances from $50,000.01 to $100,000 | Will range from 0.50% to 0.28% | ||||
| Smart Rate 2 - Balances from $50,000.01 to $100,000 | Will 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.
| Deposit Amount | Minimum to Open and Earn APY | Dividend Rate | APY² |
|---|---|---|---|
| ($25.00 & Above) | $25 | 0.00% | 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.
| Deposit Amount | Minimum to Open and Earn APY | Dividend Rate | APY² |
|---|---|---|---|
| ($5.00 & Above) | $5 | 0.05% | 0.05% |
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.
| Deposit Amount | Minimum to Open and Earn APY | Dividend Rate | APY² |
|---|---|---|---|
| ($999.99 or Below) | $1,000 | 0.00% | 0.00% |
| ($1,000.00 - $24,999.99) | $1,000 | 0.10% | 0.10% |
| ($25,000.00 & Above) | $1,000 | 0.15% | 0.15% |
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.
| Deposit Amount | Minimum to Open and Earn APY | Dividend Rate | APY² |
|---|---|---|---|
| ($5.00 & Above) | $5 | 0.05% | 0.05% |
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.
| Term | Minimum to Open and Earn APY | Dividend Rate | APY³ |
|---|---|---|---|
| 91-Day | $1,000 | 0.25% | 0.25%² |
| 182-Day | $1,000 | 0.45% | 0.45%² |
| 12-Month | $1,000 | 0.65% | 0.65% |
| 18-Month | $1,000 | 0.75% | 0.75% |
| 24-Month | $1,000 | 1.00% | 1.00% |
| 36-Month | $1,000 | 1.24% | 1.25% |
| 48-Month | $1,000 | 1.34% | 1.35% |
| 60-Month | $1,000 | 1.54% | 1.55% |
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.
| Term | Minimum to Open and Earn APY | Dividend Rate | APY² |
|---|---|---|---|
| 12-Month | $500 | 0.65% | 0.65% |
| 24-Month | $500 | 1.00% | 1.00% |
| 36-Month | $500 | 1.24% | 1.25% |
| 48-Month | $500 | 1.34% | 1.35% |
| 60-Month | $500 | 1.54% | 1.55% |
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.
| Minimum to Open and Earn APY | Dividend Rate | APY¹ | |
|---|---|---|---|
| $50 | 0.15% | 0.15% |
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.
| Term | Minimum to Open and Earn APY | Dividend Rate | APY² |
|---|---|---|---|
| 12-Month | $1,000 | 0.65% | 0.65% |
| 18-Month | $1,000 | 0.75% | 0.75% |
| 24-Month | $1,000 | 1.00% | 1.00% |
| 36-Month | $1,000 | 1.24% | 1.25% |
| 48-Month | $1,000 | 1.34% | 1.35% |
| 60-Month | $1,000 | 1.54% | 1.55% |
| Term | Minimum to Open and Earn APY | Dividend Rate | APY² |
|---|---|---|---|
| 12-Month | $500 | 0.65% | 0.65% |
| 24-Month | $500 | 1.00% | 1.00% |
| 36-Month | $500 | 1.24% | 1.25% |
| 48-Month | $500 | 1.34% | 1.35% |
| 60-Month | $500 | 1.54% | 1.55% |
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.
