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Deposit Rates

Rates are subject to change without notice.

CD Specials 

Effective: July 1, 2009 

Term

Minimum balance 

APY*

 18 Month Bump-Up

 $500.00

1.80%


*Annual Percentage Yield (APY) subject to change without notice. 18-month CD interest rates advertised above reflects a 0.15% premium, obtainable through the Loyalty Rewards program. Total Loyalty Program premium available is 0.25%. Rate without Loyalty Rewards premium is 1.65% APY for the 18-month CD. Contact the Credit Union for full program details. Minimum deposit for 18-month CD $500. If at any time during the 18-month term the rate goes up, members have the option to bump-up to the higher rate, one time only. Offer may be withdrawn at any time. A penalty will be imposed for early withdrawal.

Term

Minimum balance 

APY*

 7 Month Add-On

 $2,500.00

1.50%


*Annual Percentage Yield (APY) subject to change without notice. 7-month CD interest rates advertised above reflects a 0.15% premium, obtainable through the Loyalty Rewards program. Total Loyalty Program premium available is 0.25%. Rate without Loyalty Rewards premium is 1.75% APY for the 7-month CD. Contact the Credit Union for full program details. Minimum deposit for 7-month CD $2,500. Members allowed to make additional deposits of any amount before the maturity of the 7-month CD. Offer may be withdrawn at any time. A penalty will be imposed for early withdrawal.

Certificates of Deposit

Effective: July 1, 2009

Term

Minimum daily balance to earn APY

APY*

 3 months

 $500.00

1.10%

4 months

$500.00

1.15%

6 months

$500.00

1.25%

9 months

$500.00

1.50%

10 months

$500.00

1.75%

12 months

$500.00

1.50%

18 months

$500.00

1.65%

24 months

$500.00

1.50%

36 months

$500.00

1.50%

48 months

$500.00

1.50%

60 months

$500.00

3.00%


*Annual Percentage Yield (APY) subject to change without notice. All CDs are available for Individual Retirement (IRA) deposits. Fees could reduce the earnings. A penalty will be imposed for early withdrawal from a Certificate of Deposit account.

Checking & Savings Accounts

Effective: July 1, 2009

Program

Minimum daily balance to earn APY

APY*

Interest Checking**

 $0.01

0.25%

e-plus Checking***

$0 -$50,000
Over $50,000
Criteria Not Met

3.65%
0.50%
0.10%

Business Interest Checking^

$0.01

1.00%

Basic Savings

$0.01

0.25%

Power Saver Savings^^

$25.00

1.00%

Business Savings

$100.00

0.25%

Premium Savings

$50,000
$10,000

1.50%
1.00%

Personal Money Market

$50,000
$25,000
$2,500

1.50%
1.25%
0.50%

IRA Account

$100.00

0.75%

Holiday Club Account
$0.01 0.50% 


*Annual Percentage Yield (APY) subject to change without notice. Fees could reduce the earnings on selected accounts listed above. ** Monthly fee of $10.00 applies without Direct Deposit.  ***Criteria to earn High Rate of Interest and ATM Rebate: Minimum of 12 Point of Sale Transactions with ATM/Debit Card per statement cycle, Log on to Home Banking at least once per month, Direct Deposit or Monthly ACH auto debit, receive month-end electronic statement (when available). Balances above $50,000 earn interest at a lower rate. ^Monthly fee of $12.00 if daily balance falls below $1,000.00 at any point during the statement cycle. ^^Requires a People's Checking Account and scheduled monthly transfer between accounts.