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Rates and Fees

Savings Rates

Share & IRA Certificates
Money Market Accounts
Savings Accounts
IRA Savings Accounts


Certificates

Share Certificates & IRA Certificates*
Minimum ($1,000 to $9,999.99)
TermRateAPY**
Flex Saver Certificate - 3-month0.150%0.150%
Flex Saver Certificate - 6-month0.349%0.350%
Elite Saver Certificate - 12-month0.548%0.550%
Super Saver Certificate - 18-month0.698%0.700%
Super Saver Certificate - 24-month0.797%0.800%
Max Saver Certificate - 36-month1.045%1.050%
Max Saver Certificate - 60-month1.833%1.850%

* Subject to change without notice, fees will reduce earnings, substantial earlier closure fees may apply. Minimum opening balance, noted above, must be maintained for the entire term. Dividends are paid monthly.

**APY= Annual Percentage Yield


Share Certificates & IRA Certificates*
Minimum ($10,000 to $99,999.99)
TermRateAPY**
Flex Saver Certificate - 3-month0.150%0.150%
Flex Saver Certificate - 6-month0.349%0.350%
Elite Saver Certificate - 12-month0.548%0.550%
Super Saver Certificate - 18-month0.698%0.700%
Super Saver Certificate - 24-month0.797%0.800%
Accelerator t0.698%0.700%
Max Saver Certificate - 36-month1.045%1.050%
Max Saver Certificate - 60-month1.833%1.850%

* Subject to change without notice, fees will reduce earnings, substantial earlier closure fees may apply. Minimum opening balance, noted above, must be maintained for the entire term. Dividends are paid monthly.

** APY= Annual Percentage Yield

t Accelerator: 25-month Certificate - One Rate "acceleration" per term!


Share Certificates & IRA Certificates*
Minimum ($100,000+)
TermRateAPY**
Flex Saver Certificate - 3-month0.150%0.150%
Flex Saver Certificate - 6-month0.349%0.350%
Elite Saver Certificate - 12-month0.548%0.550%
Super Saver Certificate - 18-month0.698%0.700%
Super Saver Certificate - 24-month0.797%0.800%
Accelerator t0.698%0.700%
Max Saver Certificate - 36-month1.045%1.050%
Max Saver Certificate - 60-month1.833%1.850%

* Subject to change without notice, fees will reduce earnings, substantial earlier closure fees may apply. Minimum opening balance, noted above, must be maintained for the entire term. Dividends are paid monthly.

** APY= Annual Percentage Yield

t Accelerator: 25-month Certificate - One Rate "acceleration" per term!

More information on Certificates

Investing is another way you can put your money to work for you. Learn more about the options available to you by clicking here.

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Money Market Accounts

Money Market Accounts
Account BalanceRateAPY**
$0.00 - $2,499.990.050%0.050%
$2,500.00 - $9,999.990.150%0.150%
$10,000.00 - $49,999.990.200%0.200%
$50,000.00 - $99,999.990.250%0.250%
$100,000.00 - $499,999.990.300%0.300%
$500,000.00+0.300%0.300%

* The dividend rate and annual percentage yield are subject to change without notice.

** APY - Annual Percentage Yield


* Disclosures - Money Market Savings Account

Balance Computation Method

Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Compounding and Crediting

Dividends will be compounded monthly and will be credited monthly. If you close your account before dividends are paid, you will not receive the accrued dividends. For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31.

Accrual of Dividends

Dividends will begin to accrue no later than the business day on which we receive credit for non-cash items, such as checks.

Minimum Balance Requirements

The minimum balance required to open this account is $2,500.00. You must maintain a minimum daily balance of $2,500.00 in your account each day to avoid a service fee. If, during any statement period, your account balance falls below the required minimum daily balance, your account will be subject to a service fee of $10.00 for that statement period.

Transaction Limitations

During any statement period, you may not make more than six withdrawals or transfers to your other CCU accounts or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the Credit Union.

More Information on Money Market Accounts


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Savings Accounts

Savings Accounts Rates*
Account BalanceRateAPY**
$0 - $299.990.000%0.000%
$300.00+0.050%0.050%

* The dividend rate and annual percentage yield may change without notice.

** APY - Annual Percentage Yield


Summer Savings & Club Accounts Rates*
Account BalanceRateAPY**
$0 - $299.990.000%0.000%
$300.00+0.100%0.100%

* The dividend rate and annual percentage yield may change without notice.

** APY - Annual Percentage Yield


* Disclosures - Savings And Club Accounts

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will be compounded monthly and will be credited monthly. If you close your account before dividends are paid, you will not receive the accrued dividends. The dividend declaration date is the last day of the dividend period. You must maintain a minimum daily balance of $100 in your account each day to avoid a service fee. If, during any statement period, your account balance falls below the required minimum daily balance, your account will be subject to a service fee of $2.50 for that statement period. You must maintain a minimum daily balance of $300 in your account each day to obtain the disclosed annual percentage yield (APY). Minor accounts and zero-balance accounts are exempt from minimum balance requirements.

More Information on Savings Accounts


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IRA Accounts

IRA Savings Account*
RateAPY**
0.100%0.100%

*The dividend rate and annual percentage yield may change without notice.

** APY - Annual Percentage Yield


*Disclosures - IRA Savings Accounts

* Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will be compounded monthly and will be credited monthly. If you close your account before dividends are paid, you will not receive the accrued dividends. The minimum balance required to open this account is $50.

More information on IRA Accounts

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