Rates Effective January 1, 2016
Certificates of Deposit (Regular & IRAs):
Term
6 Months
12 Months
24 Months
36 Months
39 Month
Rate Bump*
Minimum
Balance
$500
$500
$500
Rate
0.45%
0.55%
0.65%
APY
0.45%
0.55%
0.65%
$5,000
$25,000
$500
$5,000
0.75%
0.85%
0.85%
0.95%
0.75%
0.85%
0.85%
0.95%
$25,000
1.05%
1.06%
$5,000
1.10%
1.11%
* Members may change (or "bump") their certificates to the
current rate up to 2 times prior to maturiy.
Share Accounts:
Account Type
Regular Shares
($10 minimum balance
required)
Share Draft
Share Plus Money
Market Account
($10,000 minimum
balance required)
Rate Tiers
Term
48 Months
60 Months
Minimum
Balance
$500
$5,000
$25,000
Rate
1.25%
1.40%
1.55%
APY
1.26%
1.41%
1.56%
$500
$5,000
$25,000
1.65%
1.80%
1.95%
1.66%
1.81%
1.97%
A penalty will be imposed for any withdrawal of the
principal balance prior to maturity.
APY shown is based on an assumption that interest
will remain on deposit until maturity.
Rate
APY
Under $10
0.00%
0.00%
$10 – $1,500
Over $1,500
0.20%
0.25%
0.20%
0.25%
Over $10
0.15%
0.15%
Under $10,000
0.00%
0.00%
$10,000 – $50,000
$50,000 – $100,000
$100,000 – $250,000
Over $250,000
0.32%
0.34%
0.37%
0.40%
0.32%
0.34%
0.37%
0.40%
Information regarding all accounts:
 APY=Annual Percentage Yield.
 Dividends are paid monthly based on anticipated earnings.
 Rates shown are subject to change at any time without prior notice.
 Ask us for further information about the fees and other terms that apply to the accounts listed.
 Member accounts are insured to at least $250,000 by the National Credit Union Share Insurance Fund.