Savings & Investment Rates
Rates are current as of January 1, 2019 and are subject to change. Your savings are federally insured by the National Credit Union Administration to at least $250,000 and are backed by the full faith and credit of the US Government. Don't forget! With PridePoints, you can get even better rates!
SHARE / SAVINGS ACCOUNTS1 |
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PRODUCT |
MIN TO EARN APY |
APY |
Dividend Rate |
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|
Share Savings |
$200 & greater |
0.05% |
0.05% |
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|
Christmas Club |
$100 & greater |
0.10% |
0.10% |
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|
IRA Savings |
$25 & greater |
0.25% |
0.25% |
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|
Youth & Student Savings2 |
$0.01 & greater |
0.10% |
0.10% |
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CHECKING ACCOUNTS3 |
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PRODUCT |
MIN TO EARN APY |
APY |
DVIDEND RATE |
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|
Checking Plus |
Up to $2,499.99 |
0.00% |
0.00% |
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|
$2,500 - $9,999.99 |
0.10% |
0.10% |
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|
$10,000 & greater |
0.15% |
0.15% |
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|
Silver ADVANTAGE |
$0.01 & greater |
0.15% |
0.15% |
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INSURED MONEY MARKET ACCOUNTS4 |
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PRODUCT |
MIN TO EARN APY |
APY |
DIVIDEND RATE |
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|
Regular Money Market |
Up to $2,499.99 |
0.05% |
0.05% |
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|
$2,500 - $24,999.99 |
0.50% |
0.50% |
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|
$25,000 - $74,999.99 |
0.60% |
0.60% |
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|
$75,000 - $99,999.99 |
0.70% |
0.70% |
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|
$100,000 & greater |
0.80% |
0.80% |
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|
Student Money Market |
Up to $999.99 |
0.10% |
0.10% |
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|
$1,000 & greater |
0.60% |
0.60% |
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REGULAR CERTIFICATES & IRAS5($500 min. to open regular certificates; $100 min. to open IRA cerficiates) |
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TERM |
PRIDEPOINT REWARDS |
REGULAR RATES |
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|
APY |
RATE |
APY |
RATE |
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|
3 months |
0.85% |
0.85% |
0.60% |
0.60% |
|
|
6 months |
1.35% |
1.34% |
1.10% |
1.09% |
|
|
12 months |
1.85% |
1.83% |
1.60% |
1.59% |
|
13 Months Special* |
2.25% |
2.23% |
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|
18 months |
1.65% |
1.64% |
1.40% |
1.39% |
|
|
24 months |
1.95% |
1.93% |
1.70% |
1.69% |
|
25 Months Special* |
2.50% |
2.47% |
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|
36 months |
2.30% |
2.28% |
2.05% |
2.03% |
|
37 Months Special* |
3.00% |
2.96% |
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|
48 months |
2.60% |
2.57% |
2.35% |
2.33% |
|
|
60 months |
2.85% |
2.81% |
2.60% |
2.57% |
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|
*APY = Annual Percentage Yield is accurate as of November 1, 2018. Dividend rate = 2.23% (2.25% APY), 2.47% (2.50% APY), and 2.96% (3.00% APY). Interest is compounded quarterly. $500 minimum opening deposit. PridePoints are excluded. Subject to change at any time. Early withdrawal penalties may apply. |
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BUMP UP CERTIFICATES6$5,000 min. to open 20-month; $10,000 min. to open 30-month; Bump Up is a one-time adjustment to current rate, up to 100 basis points. |
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TERM |
APY |
DIVIDEND RATE |
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|
20 months |
1.70% |
1.69% |
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|
30 months |
1.70% |
1.69% |
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EDUCATIONAL GROWTH CERTIFICATE7($200 min. to open) |
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TERM |
APY |
DIVIdEND RATE |
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|
Matures on 18th birthday |
1.70% (f) |
1.69% (f) |
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APY = Annual Percentage Yield. Rates subject to change without notice. Fees may reduce earnings.
1-The minimum balance required to open a Share or Youth & Student savings account is $5; for IRA savings, it is $25. There is no minimum balance to open a Christmas Club account.
2-The Youth, Teen or Student Share Savings account is eligible for 24 and under only, and upon the primary accountholder's 25th birthday, this account will automatically convert to a Regular Share Savings account, subject to its rates and conditions.
3-Minimum balance required to open a Checking Plus account is $2,500. There is no minimum balance required to open a Silver ADVANTAGE Checking account.
4-Minimum balance required to open a Regular Money Market Account is $2,500; for Student Money Market Account, it is $1,000. In accordance with Federal Regulation D, you are allowed to make up to six withdrawals from a money market account in any combination of electronic debits and drafts. Once you have met your allowed quantity, further drafts and electronic debits will be rejected until the next statement cycle.
5- Dividends compound quarterly. There is a penalty for early withdrawal. You may make additional deposits to an IRA Certificate account only.
6- Dividends compound quarterly. There is a penalty for early withdrawal. Exercising your bump-up option means that your rate will adjust to the stated current rate at the time you exercise the option. Maximum rate adjustment of 100 basis points. The new rate will carry forward from the date you exercise the bump-up option and will not be retroactive.
7-Dividends compound monthly. There is a penalty for early withdrawal (f) = Fixed Rate. Minimum balance required to open is $200. This account is not renewable upon maturity. All proceeds from this account are reported under the minor's social security for tax purposes. This account is not eligible for PridePoint rate bonuses.