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Featured Rates are effective 03/18/2019

Savings Rates

Dividend Declared in: Dividend Rate APY (Annual Percentage Yield)
Share Savings Account (minimum balance of $200 to earn Dividends) 0.20% 0.20%
CU Kidz Savers, CUTEAM, PrimePlus & Club accounts (minimum balance of $200 to earn Dividends) 0.20% 0.20%
Dividend Checking (minimum balance of $10,000 to earn Dividends) 0.25% 0.25%
Individual Retirement Accounts (IRAs)* 0.45% 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such as death, permanent disability, mental incompetence and certain medical expenses that allow funds to be withdrawn without a 10% premature penalty.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 Dividend Rate APY (Annual Percentage Yield)
Tier 1 $1000 - 9,999 0.20% 0.20%
Tier 2 $10,000 - $24,999 0.20% 0.20%
Tier 3 $25,000 - $49,999 0.30% 0.30%
Tier 4 $50,000 - $99,999 0.40% 0.40%
Tier 5 $100,000 - $999,999 0.50% 0.50%
Tier 6 $1,000,000 and up 0.50% 0.50%

 

Term Share Certificates Specials (New Money)*

Term Minimum Deposit Amount Dividend Rate APY (Annual Percentage Yield)
13 mos $500 2.03% 2.05%
25 mos $500 2.57% 2.60%
61 mos $500 2.96% 3.00%

* Annual Percentage Yield (APY) as of 2/10/2019. Available in branch only. Minimum opening deposit is $500. After the initial term, the 13 month certificate will automatically renew into the 12 month certificate, the 25 month certificate will automatically renew into the 24 month certficate and the 61 month certificate will automatically renew into the 60 month certificate, earning the then-current APY offered at the time of renewal. Rates subject to change without notice. Penalties apply for early withdrawals. Fees and penalties could reduce earnings. Membership is required. Offer is for new money only. Certain Terms and Conditions apply.

Term Share Certificates

Term Minimum Deposit Amount Dividend Rate APY (Annual Percentage Yield)
12 mos $500 1.29% 1.30%
Term Share Certificates with a minimum deposit amount of $1,000
6 mos $1,000 1.29% 1.30%
12 mos $1,000 1.64% 1.65%
18 mos $1,000 2.03% 2.05%
24 mos $1,000 2.81% 2.85%
60 mos $1,000 2.90% 3.00%
Jumbo Term Share Certificates with minimum deposit amount of $50,000
6 mos $50,000 1.34% 1.35%
12 mos $50,000 1.69% 0.80%
18 mos $50,000 2.08% 2.10%
24 mos $50,000 2.91% 2.95%
60 mos $50,000 3.20% 3.25%

IRA Term Share Certificates

Term Minimum Deposit Amount Dividend Rate APY (Annual Percentage Yield)
6 mos $1,000 1.31% 1.32%
12 mos $1,000 1.66% 1.67%
18 mos $1,000 2.05% 2.07%
24 mos $1,000 2.83% 2.87%
26 mos* $1,000 2.57% 2.60%*
60 mos $1,000 2.99% 3.03%
Jumbo IRA Term Share Certificates
6 mos $50,000 1.36% 1.37%
12 mos $50,000 1.71% 1.72%
18 mos $50,000 2.10% 2.12%
24 mos $50,000 2.93% 2.97%
60 mos $50,000 3.23% 3.28%

* Limited time offer: January 2 through April 15. After initial term, certificate will automatically renew to a 24 month term share certificate and earn the APY offered at that time. Rate subject to change without notice.