Deposit Rates

Savings Rates
Effective Date: 07.01.2018
	APY*	Dividend Rate
Prospective rates for the 3rd quarter ending September30, 2018 & posting October 1, 2018 are:
Open Share IRA	0.25 APY	0.25 APR
Primary Share (savings) Minimum Balance = $5.00	0.01 APY	0.01 APR
Christmas Club	0.01 APY	0.01 APR
Escrow / Sub Share	0.01 APY	0.01 APR
Checking / Share Draft	0.00 APY	0.00 APR
Premier Business Account \| $10,000 minimum daily balance required	0.10 APY	0.10 APR
*APR = Annual Percentage Rate \| APY = Annual Percentage Yield
A minimum balance of $5.00 is required to obtain APY on Savings / Primary Share Accounts \| Rates are subject to change without notice as determined by the Credit Union Board of Directors

CD's
Effective Date: 07.01.2018
Term	Min. Deposit	APY*	Dividend Rate
3 Month	$1,000.00	0.10 APY	0.10 APR
6 Month Money Market	$2,500.00	0.15 APY	0.15 APR
6 Month Youth	$300.00	0.15 APY	0.15 APR
7 Month	$2,500.00	0.18 APY	0.18 APR
9 Month	$2,500.00	0.20 APY	0.20 APR
1 Year	$500.00	0.35 APY	0.35 APR
1 Year Youth	50/$5 adds	0.35 APY	0.35 APR
18 Month	$500.00	0.45 APY	0.45 APR
24 Month**	$5,000.00	0.55 APY	0.55 APR
30 Month	$500.00	0.60 APY	0.60 APR
36 Month	$1,000.00	0.75 APY	0.75 APR
48 Month***	$5,000.00	1.01 APY	1.00 APR
5 Year	$500.00	1.15 APY	1.15 APR
*APY = Annual Percentage Yield \| APR = Annual Percentage Rate \| Rates subject to change without notice
**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.
***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.
Fees may reduce the earnings on account \| Early withdrawal penalty will or may be imposed

IRA Certificate Rates
Effective Date: 07.01.2018
Term	Min. Deposit	APY*	Dividend Rate
1 Year Traditional	$1,000.00	.60 APY	.60 APR
2 Year Traditional	$1,000.00	.65 APY	.65 APR
5 Year Traditional	$1,000.00	1.15 APY	1.14 APR
1 Year Roth	$1,000.00	.60 APY	.60 APR
2 Year Roth	$1,000.00	.65 APY	.65 APR
5 Year Roth	$1,000.00	1.15 APY	1.14 APR
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 notice as determined by the Credit Union Board of Directors