Share Rates
Savings Rates
- Rates subject to change without prior notice.
- Call for up to the minute rates.
- Effective 10/01/20 through 12/31/20
- APR = Annual Percentage Rate
- APY = Annual Percentage Yield
- Minimum opening amount for Share Savings is $5.00
- Minimum to earn the APY is $5.00
- Fees posted could reduce the earning on your account
- Please visit the Credit Union for Truth In Savings Disclosures
| Term | APR | APY | ||
|---|---|---|---|---|
| Share Draft Checking | .05% | .05% | ||
| Regular Share Savings | .10% | .10% | ||
| Club Accounts | ||||
| Holiday Club | .10% | .10% | ||
| Vacation Club | .10% | .10% | ||
| Star Savers | .10% | .10% | ||
| IRA Share Accounts | .10% | .10% |
Share Certificate & IRA Certificates
| Term | APR | APY | ||
|---|---|---|---|---|
| 6 Months | .10% | .10% | ||
| 9 Months | .15% | .15% | ||
| 12 Months | .20% | .20% | ||
| 18 Months | .25% | .25% | ||
| 24 Months | .30% | .30% | ||
| 30 Months | .35% | .35% | ||
| 36 Months | .40% | .40% | ||
| 48 Months | .45% | .45% | ||
| 60 Months | .50% | .50% |
Share Certificate and IRA Certificate rates effective January 1, 2021
*Minimum Deposit $500 for all Share Certificate and IRA Certificate products
- We may impose a penalty if you withdraw funds from your account before the maturity date. For all accounts, the amount of the early withdrawal penalty is 90 days’ dividends.
Share Draft/Checking Additional Fees
| Item | Fee | |||
|---|---|---|---|---|
| NSF (Non-sufficient Funds) Check Returned* | $25.00 | |||
| Transfer for Overdraft | $5.00 | |||
| Stop Payment | $25.00 | |||
| Photocopy of Paid Check (Draft) | $3.00 | |||
| Duplicate Copy of Statement | $3.00 | |||
| Wire Transfer Fee (outgoing) | $15.00 | |||
| International Wire Transfer Fee | $50.00 | |||
| Money Order | $1.00 per money order | |||
| ATM Card Replacement | $6.00 | |||
| Automatic Transfer | $5.00 | |||
| Deposited Return Item | $25.00 | |||
| Share Draft Checking Printing | Prices may vary depending upon style | |||
| Gift Card | $2.50 | |||
| Travel Card | $5.00 | |||
| Bad Address Fee | One time $10.00 fee |
*Note: The Credit Union reserves the right to cancel a share draft account for abusive overdrafts. Three (3) checks returned in one quarter for insufficient funds or five (5) overdrafts within one year may result in the account being closed without any written warning. The account cannot be reopened for a two-year period. If the account is a joint account, this policy will pertain to both members.
