Personal Accounts Dividend Rates
Dividend Rates
Specials
Investment Rates
Effective Date Of APY*: May 20, 2013
NO SPECIALS AT THIS TIME.
APY = Annual Percentage Yield
Market Index Certificate
3, 5 or 6 years
$500 Minimum
The return is based on the performance of the Dow Jones Industrial Average and has a guaranteed
return of about 1% APY. The principal amount of the certificate is federally insured to at least $250,000
by the NCUA. Early withdrawals are not allowed except in the case of the death of the owner.
Pay Day Certificate
$100.00 Minimum
1.00% APY*
$10.00 Minimum deposits must be transferred at least monthly. Most savings or checking accounts are available for transfer. Transfers may occur weekly, bi-weekly, semi-monthly or monthly.
APY = Annual Percentage Yield
Reg & Tax-Favored Certificates
| Term | Minimum Balance Required for APY | APY* |
| 6 Month | $1000+ | 0.30% |
| 12 Month Youth | $100.00 Additions allowed to Youth Certificate - $50 minimum |
0.50% |
| 1 Year | $1000+ | 0.50% |
| 18 Month | $1000+ | 0.60% |
| 2 Year | $1000+ | 0.70% |
| 3 Year | $1000+ | 0.90% |
| 4 Year | $1000+ | 1.10% |
| 5 Year | $1000+ | 1.30% |
There may be a penalty for early withdrawal on certificate accounts.
Dividends are calculated daily and paid monthly.
APY = Annual Percentage Yield
Tax-Favored Savings Accounts
Traditional and Roth IRAs, Health Savings Accounts and Coverdell Educational Savings Accounts
| Amount Required for APY | APY* |
| $0-$9,999 | 0.10% |
| $10,000-$49,999 | 0.15% |
| $50,000-$99,999 | 0.25% |
| $100,000-$499,999 | 0.35% |
| $500,000-$999,999 | 0.45% |
| $1,000,000 and up | 0.55% |
Unlimited deposits and withdrawals with no penalties as permitted by IRS
APY=Annual Percentage Yield
Money Market Account
| Amount Required for APY | APY* |
| $0-$9,999 | 0.10% |
| $10,000-$49,999 | 0..15% |
| $50,000-$99,999 | 0..25% |
| $100,000-$499,999 | 0.35% |
| $500,000-$999,999 | 0..45% |
| $1,000,000 and up | 0.55% |
Minimum Balance to open is $1000.00. Fees could reduce earnings on this account.
*APY = Annual Percentage Yield
Payroll Plus
Regular, Traditional IRA and Roth IRA
| Amount Required for APY | APY* |
| $500 or more | 0.60% |
| $0.01 to $499.99 | 0.25% |
Checking and Savings Dividends
Declared Dividends - January 1 thru March 31, 2013.
The Board of Directors declared these dividend rates for the quarter ending March 31, 2013. Dividends for the new quarter will be declared in June 2013. $100 minimum balance is required for dividends on all savings account except Preferred Youth Savings. $500 minimum balance required for dividends on the Checking Plus Account.
| Account | APY* |
| Basic Membership Savings Account | 0.10% |
| Preferred Youth SavingsAccount | 0.50% |
| Christmas Club Savings Account | 0.25% |
| Vacation Savings Account | 0.25% |
| Life Insurance Savings Accounts |
0.10% |
| Vacation Fund Account | 0.10% |
|
Checking Plus Account Preferred Youth Checking Account |
0.15% 0.25% |
|
e-Checking - $0.00 to $1,000 (paid monthly) e-Checking - above $1,000 (paid monthly) |
1.00% 0.40% |
Business Share Accounts
Declared Dividends -January 1 - March 31, 2013.
The above dividend rates were declared by the Board of Directors for the quarter ending March 31, 2013. Dividend for the next quarter will be declared in June, 2013. Dividends are calculated daily, compounded and paid monthly on Business e-Checking and Business Money Market. Dividends are calculated daily, compounded and paid quarterly on Business Basic Savings. Fees could reduce earnings on these accounts. No minimum balance required for APY on Business e-Checking and Business Money Market accounts.
| Account | APY* |
| Business Basic Savings (paid on balance over $100.00) | 0.10% |
|
Business e-Checking - to $1000.00 (paid monthly) Business e-Checking - above $1000.00 (paid monthly)
|
1.00% 0.40% |
| Business Money Market | APY* |
| $0-$9,999 | 0.10% |
| $10,000-$49,999 | 0.15% |
| $50,000-$99,999 | 0.25% |
| $100,000-$499,999 | 0.35% |
| $500,000-$999,999 |
0.45% |
| $1,000,000 and up | 0.55% |
APY = ANNUAL PERCENTAGE YIELD
APY = ANNUAL PERCENTAGE RATE
