ANNUAL PERCENTAGE YIELDS are effective for the month of January, 2009
These rates may change on a monthly basis. Any fees incurred may reduce earnings.
We are constantly striving to maintain competitive rates. Please let us know if you find a
rate higher than what we are offering on Term Shares (Certificates of Deposit). We may be able to match it.
Balance of Annual Dividend Rate Annual Percentage Yield (APY)
$10.00 - $5,009.99 .25% .25%
$5,010.00 - $10,009.99 .50% .50%
$10,010.00 or more .75% .75%
A $10 minimum deposit required to open the account & to obtain the stated APY.
A minimum of $10 is required to maintain your share account.
$50 is required to be maintained after the account has been
established for 90 days.
Dividends are calculated daily and paid quarterly
A minimum balance of $50 must be maintained in another share account
Currently no dividends are paid on checking accounts
.25% Annual Dividend Rate, .25% Annual Percentage Yield
Dividends are calculated daily and paid quarterly
.50% Annual Dividend Rate for balances below $1,000, .50% Annual
Percentage Yield; 1.00% Annual Dividend Rate for balances $1,000 and
over, 1.00% Annual Percentage Yield.
Dividends are calculated daily and paid quarterly
Balance Of
Annual Dividend Rate Annual
Percentage Yield
$ 1,000 - 2,499 .25% .25%
2,500 - 19,999 .75% .75%
20,000 - 49,999 1.00% 1.00%
50,000 - 99,999 1.25% 1.25%
100,000 & over 1.50% 1.50%
Dividends are calculated daily, paid quarterly.
Balances below $1,000.00 do not earn dividends.
Term Annual Rate *APY **APY Dividends Paid
MAY BE AS HIGH AS
3 Months 1.60% 1.60% 2.60% At maturity
6 Months 1.85% 1.85% 2.85% At maturity
12 Months 2.05% 2.06% 3.08% Quarterly & maturity
18 Months 2.15% 2.16% 3.18% Quarterly & maturity
24 Months 2.25% 2.26% 3.28% Quarterly & maturity
36 Months 2.45% 2.47% 3.49% Quarterly & maturity
42 Months 2.70% 2.72% 3.75% Quarterly & maturity
5 Years 2.90% 2.93% 3.95% Quarterly & maturity
6 Years 3.65% 3.69% 4.73% Quarterly & maturity
10 Years 3.90% 3.95% 4.99% Quarterly & maturity
ANNUAL PERCENTAGE YIELDS are in effect for new certificates issued during the week of
1/6/2009
through 1/12/2009.All Term Shares have a minimum balance of $500 for adult
members 18 years or older. Children under the age of 18 have a minimum
deposit of $100.
**Preferred rates are available based on services used which include
RS/DS, FMF, IRA, SD, MM/ATM, HOP (Handi On-line Pay), E-Statement, DIRECT
DEPOSIT, AUTO LOAN, HOME EQUITY LOAN, MORTGAGE LOAN, RV LOAN, BOAT LOAN, LINE OF
CREDIT, or VISA.
1.00% maximum preferred rate
Certificates issued for $100,000 or more will earn .25% above the rates
listed for terms of 1 year or longer.
A penalty may be imposed for early withdrawal.
These rates are also effective for IRA Term Shares.
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This Credit Union is federally insured by the National Credit Union Administration.
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