Savings & Checking Rates
Note: For all accounts except term share (certificate accounts), the dividend rate and the Annual Percentage Yield (APY) may change every month as determined by the Credit Union's Board of Directors. For all accounts except term share (certificate) accounts, dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period.
| Type of Account | Minimum Balance Required to Earn APY |
Dividend Rate | Annual Percentage Yield | |
|---|---|---|---|---|
| Regular Savings | $5.00 | 0.10% | 0.10% | |
| Plus Savings | $10,000.00 | 0.40% | 0.40% | |
| Advantage Savings | $25,000.00 | 0.55% | 0.55% | |
| Checking | $1,000.00 | 0.10% | 0.10% | |
| Money Market Checking | $2,500.00 | 0.70% | 0.70% | |
| Holiday Acct. | $5.00 | 0.10% | 0.10% | |
| IRA Share Account* | $5.00 | 0.10% | 0.10% |
*(IRA Shares are available for Traditional IRAs, Roth IRAs and Education IRAs)
As of August 1, 2023, the dividend rate and corresponding Annual Percentage Yield (APY) on each share and checking account was as set forth above. The dividend rate and APY may change every month as determined by the Credit Union's Board of Directors.The rates in this rate sheet are reviewed at least monthly by management and the presented rates are the current rates as of April 1, 2025
Certificate Rates
To open an account, simply login to Online Banking, visit our branch, or call us at (909) 983-1959.
| Type of Account | Minimum Balance Required to Earn APY |
Dividend Rate | Annual Percentage Yield | Early W/D Penalty | |
|---|---|---|---|---|---|
| 3 month certificate | $5,000.00 | 2.66% | 2.70% | 60 days | |
| 6 month certificate | $2,500.00 | 2.96% | 3.00% | 60 days | |
| 9 month certificate | $1,000.00 | 3.20% | 3.25% | 60 days | |
| 1 year certificate | $1,000.00 | 3.73% | 3.80% | 90 days | |
| 18 month certificate | $1,000.00 | 3.78% | 3.85% | 90 days | |
| 2 year certificate | $1,000.00 | 3.83% | 3.90% | 180 days | |
| 3 year certificate | $1,000.00 | 3.87% | 3.95% | 180 days | |
| 4 year certificate | $1,000.00 | 3.97% | 4.05% | 180 days | |
| 5 year certificate | $1,000.00 | 4.16% | 4.25% | 180 days | |
| IRA Certificate (12 mo)** | $500.00 | 3.73% | 3.80% | 90 days | |
| IRA Certificate (18 mo)** | $500.00 | 3.78% | 3.85% | 90 days | |
| IRA Certificate (24 mo)** | $500.00 | 3.83% | 3.90% | 180 days | |
| IRA Certificate (36 mo)** | $500.00 | 3.87% | 3.95% | 180 days | |
| IRA Certificate (48 mo)** | $500.00 | 3.97% | 4.05% | 180 days | |
| IRA Certificate (60 mo)** | $500.00 | 4.16% | 4.25% | 180 days |
** (IRA Certificates are available for Traditional IRAs, Roth IRAs and Education IRAs)
The dividend rate and corresponding Annual Percentage Yield (APY) on your term share (certificate) accounts is as set forth above. For purposes of this disclosure, this is a rate and APY that were offered within the most recent seven (7) calendar days and were accurate as of the first day of the effective date as stated above. Please call (909) 983-1959 to obtain current rate information. You will be paid this rate for the duration of the term share (certificate) account.