Account Deposit Rates

Rates are subject to change on a weekly basis.

Deposit / Withdrawal Account Rates

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Account Types Dividend Rate / APR APYAnnual Percentage Yield
Checking 0.10 % APR 0.10% APY
Savings 0.05 % APR 0.05% APY
I R A 0.30 % APR 0.30% APY
Christmas Club 0.30 % APR 0.30% APY up to $15K / above $15K regular savings rate
Children’s Acct. 0.05 % APR 0.05 % APY / 20K maximum / 18 years of age or younger only

Certificates

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Term Dividend Rate / APR APYAnnual Percentage Yield
3 months 0.05 % APR 0.05 % APY
6 months 0.10 % APR 0.10 % APY
1 year 0.20 % APR 0.20 % APY
1 year 0.25 % APR 0.25 % APY
18 mo. .50 % APR 0.50 % APY
2 years .95 % APR 0.95 % APY

Regular and IRA Certificates: $1,000 Minimum. Rates are subject to change on a weekly basis.

CD with Lift Kit !

* Lift Kit is offered to checking account holders only. If the Credit Union offers a higher rate on this certificate term, the CD Owner is eligible for that increase. The CD owner is required to contact the Credit Union to request the rate increase.

Certificates

ANNUAL PERCENTAGE YIELD (APY) is calculated on a monthly compounding basis.  Your statements will disclose the APYE  (Annual Percentage Yield Earned) which is calculated from the daily balance and the dividend earned for the statement period. Rates are subject to change on a weekly basis.

The Share Account must maintain a minimum balance of $25.00 in order for you to continue your Credit Union membership. In order to earn a dividend on a Share account a $100.00 minimum Share balance is required.

In order to earn a dividend on a Share Draft account a $1500.00 minimum Share Draft balance is required. Fees may reduce earnings Forfeiture of Dividends: If any of the above listed accounts are closed before accrued dividends are credited, the accrued interest for that account will not be paid.

*This Certificate requires that the related Share Draft Account be maintained satisfactorily until the Certificate matures or the rate will revert back to the rate offered on the “without Share Draft account” for the entire term of this Certificate.

OFFICE: (972) 446-0540 Toll Free: (800) 468-8952 FAX: 972-245-6783

Share Certificates can be issued and renewed over the phone. Just call us, we will be glad to help you decide.