| Certificate Account Rates | |||
| Effective Date: Friday, October 31st, 2025 | |||
| Term | Min. Deposit | Annual % Yield | Dividend Rate |
3 Month |
$1,000.00 | 2.01 APY | 1.99 |
6 Month |
$2,500.00 | 2.55 APY | 2.53 |
| 10 Month | $1,000.00 | 4.00 APY | 3.94% |
| 10 Mo Certificate Account will auto renew to 1 year Certificate Account Term and Current Rate | |||
12 Month |
$500.00 | 2.65 APY | 2.62% |
18 Month |
$500.00 | 2.70 APY | 2.67 |
24 Month** |
$5,000.00 | 2.75 APY | 2.72 |
| **Your 24 month certificate will not automatically renew if a penalty-free withdrawal taken during the 24 month term has caused the certificate's maturing balance to be less than $5,000. In such case you will have the 10 day grace period to return the balance to the minimum opening balance of $5,000 or the certificate will redeem to your share account. | |||
36 Month |
$1,000.00 | 2.85 APY | 2.82 |
48 Month*** |
$5,000.00 | 2.95 APY | 2.92 |
| ***A one-time increase (bump-up) of the interest rate is allowed during the certificate term. See 48 month Term Share Certifcate disclosure for specific details. | |||
| 60 Month | $500.00 | 3.15 APY | 3.11% |
| IRA Certificate Rates | |||
| Effective Date: Friday, October 31st, 2025 | |||
| Term | Min. Deposit | APY* | Dividend Rate |
| 1 Year Traditional | $1,000.00 | 2.50 APY | 2.50 |
| 5 Year Traditional | $1,000.00 | 1.75 APY | 1.75 |
| 1 Year Roth | $1,000.00 | 2.50 APY | 2.50 |
| 5 Year Roth | $1,000.00 | 1.75 APY | 1.75 |
| IRA Certificates: No adds | 3 month penalty | Automatic renewal | Dividends Compound | |||
| *APR = Annual Percentage Rate | APY = Annual Percentage Yield | Rates subject to change without notice | |||
| Fees may reduce the earnings on account | Early withdrawal penalty will or may be imposed | |||
Certificate rates are subject to change on a daily basis and not all compound interest.
All rates subject to change without out notice as determined by the Credit Union Board of Directors.