Savings Rates

Savings Accounts
Effective Date: January 1, 2014
Dividend RateAPY
Primary Savings 0.05% 0.05%
Secondary Savings 0.05% 0.05%
Secured Savings 0.05% 0.05%
Vacation Club 0.05% 0.05%
Christmas Club 0.05% 0.05%

Premium Level Upgraded Savings (PLUS)
Effective Date: January 1, 2014
Dividend is paid for the highest tier that has a balance for the entire balance.
Dividend RateAPY
Tier 4 - $50,000 - $99,999.99 0.15% 0.15%
Tier 3 - $25,000 - $49,999.99 0.15% 0.15%
Tier 2 - $10,000 - $24,999.99 0.10% 0.10%
Tier 1 - $1,500 - $9,999.99 * 0.10% 0.10%
*Applies to Accounts opened prior to 7/1/2007

Youth Enhanced Savings (YES) - Youth Club Accounts
Effective Date: January 1, 2014
Earns Higher Dividend than Primary Savings. Dividend rate paid up to $500 then funds can be transferred to a YES Certificate with Higher Dividend Incentives.
Dividend RateAPY
Snuggle Bug 1.00% 1.01%
Wags to Riches Kidz Club 1.00% 1.01%
mPower 1.00% 1.01%

Interest Checking
Effective Date: January 1, 2014
Interest is calculated daily. To receive the interest rate you must have direct deposit, eStatements and make one signature based transaction per month on your account.
Dividend RateAPY
Choice Checking 1.00% 1.01%

Health Savings Account (HSA)
Effective Date: January 1, 2014
Dividend is paid for the highest tier that has a balance for the entire balance.
Dividend RateAPY
Tier 4 - $10,000 and above 0.08% 0.08%
Tier 3 - $2,500 - $9,999.99 0.08% 0.08%
Tier 2 - $500 - $2,499.99 0.08% 0.08%
Tier 1 - $0.00 - $499.99 0.08% 0.08%

Money Market
Effective Date: January 1, 2014
Dividend is paid for the highest tier that has a balance for the entire balance.
Dividend RateAPY
Tier 4 - $50,000 - $99,999.99 0.15% 0.15%
Tier 3 - $25,000 - $49,999.99 0.15% 0.15%
Tier 2 - $10,000 - $24,999.99 0.15% 0.15%
Tier 1 - $2,500 - $9,999.99 0.15% 0.15%

IRA Savings
Effective Date: January 1, 2014
Dividend is paid for the highest tier that has a balance for the entire balance.
Dividend RateAPY
Tier 3 - $50,000 and above 0.10% 0.10%
Tier 2 - $5,000 - $49,999.99 0.08% 0.08%
Tier 1 - $0.01 - $4,999.99 0.05% 0.05%

YES Certificates - Youth Club Accounts
Effective Date: July1, 2013
Minimum $500 investment for children newborn through age 21.
Dividend Rate
24 Month Certificate Earns 0.50% APY Higher Dividend than Posted Certificate Rate
36 Month Step Up Certificate Earns 0.75% APY Higher Dividend than Posted Certificate Rate PLUS One Rate Step Up and One Add-On Deposit During Term

Share Certificates
Effective Date: July 1, 2013
Invest $2,500 or more for a fixed term and earn a greater dividend over a set time frame. Choose a term, deposit $2,500 or more and watch your savings grow. Your dividends will compound monthly.
Dividend Rate
6 months - 60 months Options Contact us for the latest rate

*APY = Annual Percentage Yield. $25 minimum deposit required in a share savings account to establish credit union membership. A fee of $5 is imposed for more than one withdrawal per quarter on Premium Level Upgraded Savings Account.  The rate may change after the account is opened.  Fees could reduce the earnings on the account.  For Certificates, a penalty may be imposed for early withdrawal. 

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Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act