Deposit Rates
Effective February 10, 2025
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Standard Rates:
| Account | Rate | APY | Paid |
|---|---|---|---|
| Regular Share and Club Accounts Average Balances $100 - $2,999 Average Balances > $3,000 (Bonus Shares) |
0.10% 0.20% |
0.10% 0.20% |
Quarterly Quarterly |
| Round-Up Savings^ | 5.00% | 5.10% | Quarterly |
| High Rate Savings†† ($10,000 required average daily balance) |
3.93% | 4.00% | Monthly |
| Variable Rate IRA Rates subject to change quarterly |
0.50% | 0.50% | Quarterly |
| Checking & Money Market Account | Rate | APY | Paid |
|---|---|---|---|
| Guardian and Simplified Checking ($2,500 required average daily balance) |
0.05% |
0.05% | Monthly |
|
Ultimate Checking†
Average Balances up to $15,000
Average Balances >$15,000 |
4.41% 0.05% |
4.50% 0.05% |
Monthly |
|
Premier Checking
($5,000 required average daily balance)
|
0.20% | 0.20% | Monthly |
|
Money Market+ ($2,500 daily balance required)
$2,500 to $9,999.99
$10,000 to $24,999.99
$25,000 to $99,999.99
$100,000 to $249,999.99 $250,000 to $499,999.99 $500,000 and up
|
1.64% 1.69%
1.74%
2.42%
2.52%
3.01%
|
1.65% 1.70%
1.75%
2.45%
2.55%
3.05%
|
Monthly
Monthly Monthly
Monthly Monthly
Monthly
|
| Certificates of Deposit & IRA CDs* | Rate | APY | Paid |
|---|---|---|---|
| 6 Months* $500 Minimum | 3.69% | 3.75% | Monthly |
| 12 Months* $500 Minimum | 3.74% | 3.80% | Monthly |
| 18 Months* $500 Minimum | 3.59% | 3.65% | Monthly |
| 24 Months* $500 Minimum | 3.49% | 3.55% | Monthly |
| 36 Months* $500 Minimum | 3.45% | 3.50% | Monthly |
| 48 Months* $500 Minimum | 3.40% | 3.45% | Monthly |
| 60 Months* $500 Minimum | 3.35% | 3.40% | Monthly |
*Penalties may be applied for early withdrawal.
**Higher penalty may be applied for early withdrawal.
^Guardian Checking required to open account.
† Monthly minimum of $250 in debit card spending and 15 debit card transactions required to qualify
†† Ultimate Checking required to open account; must meet Ultimate Checking monthly requirements to earn dividends.
+ For Money Market Accounts, you may not make more than six regular withdrawals or transfers to another credit union account of yours or to a third party by means of a pre- authorized or automatic transfer or telephone order or instruction during any statement period. No more than three of the six transfers may be made by check, draft, debit card, if applicable or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account may be closed by us.
APY = Annual Percentage Yield
Rates are subject to change at any time.