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Featured Rates are effective 04/21/2014-04/27/2014

Savings Rates

Dividend Declared in: APY
Share Savings Account (minimum balance of $200 to earn Dividends) 0.20%
CU Kidz Savers, CUTEAM, PrimePlus & Club accounts (minimum balance of $200 to earn Dividends) 0.20%
Dividend Checking (minimum balance of $10,000 to earn Dividends) 0.25%
Individual Retirement Accounts (IRAs)* 0.45%

*IRA disclaimer: Early Withdrawal Penalty - In order to avoid tax penalties by the IRS, you must wait until you attain the age of 59-1/2 to withdraw funds or be able to demonstrate your withdrawal is being used for qualified higher education expenses or a first-time home purchase. Roth IRA holders must also satisfy a minimum five- year holding period. If a person takes funds out of an IRA before age 59-1/2 for purposes other than qualified higher education expenses or the first-time purchase of a home, this is a "premature" distribution and a 10% penalty may be assessed by the Internal Revenue Service (IRS). Premature distributions are also subject to income tax. There are some additional, special circumstances such as death, permanent disability, mental incompetence and certain medical expenses that allow funds to be withdrawn without a 10% premature penalty. After age 59-1/2, an individual can withdraw funds whenever requested and in any amount without incurring tax penalties.

Money Market Rates

$1,000 minimum deposit to earn declared divindends

Tiers Deposit Amount APY
Tier 1 $1000 - 9,999 0.20%
Tier 2 $10,000 - $24,999 0.20%
Tier 3 $25,000 - $49,999 0.30%
Tier 4 $50,000 - $99,999 0.40%
Tier 5 $100,000 - $999,999 0.50%
Tier 6 $1,000,000 and up 0.50%

 

Term Share Certificates

Term Minimum Deposit Amount APY
12 mos $500 0.30%
Term Share Certificates with a minimum deposit amount of $1,000
6 mos $1,000 0.30%
12 mos $1,000 0.50%
18 mos $1,000 0.58%
24 mos $1,000 0.65%
60 mos $1,000 1.46%
Jumbo Term Share Certificates with minimum deposit amount of $50,000
6 mos $50,000 0.32%
12 mos $50,000 0.52%
18 mos $50,000 0.60%
24 mos $50,000 0.67%
60 mos $50,000 1.48%

IRA Term Share Certificates

Term Minimum Deposit Amount APY
6 mos $1,000 0.32%
12 mos $1,000 0.52%
18 mos $1,000 0.60%
24 mos $1,000 0.67%
60 mos $1,000 1.48%
Jumbo IRA Term Share Certificates
6 mos $50,000 0.34%
12 mos $50,000 0.54%
18 mos $50,000 0.62%
24 mos $50,000 0.69%
60 mos $50,000 1.50%