| The rates on this page are valid for the week of 08/25/08-08/31/08 |
Notice: Share Savings Accounts are variable rate accounts, and the rates may change. Fees and other conditions may reduce earnings. Any savings account below $200 becomes inactive after 1 year of no activity. To avoid a $5 per month dormant account fee, we suggest at least one member generated transaction per year.
$200 Minimum Deposit
to earn declared dividends |
| Dividend declared in: |
Annual Percentage Yield (APY) |
| Share Savings account |
.75% |
| CU Kidz , CU TEAM, Prime Plus (Club Accounts) |
.75% |
IRA (Individual Retirement Account) Rates
Rates are updated every Monday
Early Withdrawal Penalty: In order to avoid tax penalties by the IRS, you must wait until you attain the age of 59-1/2 to withdraw funds or be able to demonstrate your withdrawal is being used for qualified higher education expenses or a first-time home purchase. Roth IRA holders must also satisfy a minimum five- year holding period. If a person takes funds out of an IRA before age 59-1/2 for purposes other than qualified higher education expenses or the first-time purchase of a home, this is a "premature" distribution and a 10% penalty may be assessed by the Internal Revenue Service (IRS). Premature distributions are also subject to income tax. There are some additional, special circumstances such as death, permanent disability, mental incompetence and certain medical expenses that allow funds to be withdrawn without a 10% premature penalty. After age 59-1/2, an individual can withdraw funds whenever requested and in any amount without incurring tax penalties.
| Dividend declared for: |
Annual Percentage Yield (APY) |
| IRA account |
2.07% |
Money Market Accounts are variable rate accounts, and the rates may change. Fees and other conditions could reduce earnings. * According to Federal Regulations, you are limited to 6 non-signature transactions per month by means of preauthorized or automatic transfer or telephone order or instruction. This includes Overdraft Protection, Home Banking, and Phone 1st. This account is subject to closure if these limits are exceeded.
$1,000 Minimum Deposit
to earn declared dividends |
| Term |
Annual Percentage Yield (APY) |
| tier 1 |
$1,000-9,999 |
1.26 |
| tier 2 |
$10,000-24,999 |
1.77 |
| tier 3 |
$25,000-49,999 |
2.28 |
| tier 4 |
$50,000-$99,000 |
2.69 |
| tier 5 |
$100,000-$999,999 |
2.90 |
| tier 6 |
$1,000,000 and up |
2.95 |
Term Share Certificate Rates
Rates are updated every Monday
Early Withdrawal Penalty: A penalty may be imposed for withdrawals before maturity. The penalty we impose will be equal to 45 days dividends for terms less than 60 days; 90 days dividends for terms of 6 months but less than 12 months; and 180 of dividends for terms equal to or greater than 12 months. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of an early withdrawal penalty
| $500 Minimum Deposit Term Share Certificate |
| Term |
Annual Percentage Yield (APY) |
| 12 mos |
3.15 |
| $1,000 Minimum Deposit Term Share Certificate |
| Term |
Annual Percentage Yield (APY) |
| 6 mos |
3.15 |
| 12 mos |
3.25 |
| 18 mos |
3.30 |
| 24 mos |
3.35 |
| 60 mos |
4.05 |
| $50,000 minimum Deposit Term Share Certificate |
| Term |
Annual Percentage Yield (APY) |
| 6 mos |
3.20 |
| 12 mos |
3.30 |
| 18 mos |
3.35 |
| 24 mos |
3.40 |
| 60 mos |
4.11 |
IRA Term Share Certificate Rates
Rates are updated every Monday
| Term |
Annual Percentage Rate (APY) |
| 6 mos |
3.20 |
| 12 mos |
3.30 |
| 18 mos |
3.35 |
| 24 mos |
3.40 |
| 60 mos |
4.11 |
| Term |
Annual Percentage Rate (APY) |
| 6 mos |
3.22 |
| 12 mos |
3.32 |
| 18 mos |
3.37 |
| 24 mos |
3.42 |
| 60 mos |
4.13 |
|
