Certificate Rates

Rates effective as of July 2, 2015

Certificates - Regular, IRA, Roth and Education Savings Accounts
  APY Balances under $50,000 APY Balances $50,000 - $99,999 APY Balances $100,000 and over
6-month 0.25% 0.30% 0.35%
1-year 0.40% 0.45% 0.50%
2-year 0.50% 0.55% 0.60%
3-year 0.90% 0.95% 1.00%
4-year 1.10% 1.15% 1.20%
5-year 1.25% 1.30% 1.35%
18-month Bump-up 0.40% 0.45% 0.50%
30-month Add-on 0.50% 0.55% 0.60%

Annual Percentage Yield (APY) assumes dividends remain on deposit until maturity. Fees may reduce earnings and a penalty may be imposed for early withdrawal. Dividends are credited on the last day of the month and compound monthly. $1,000 minimum required to open and earn dividends; $100 for members age 23 and under; $500 for IRA. Add-on certificates: Anytime during the term, minimum add-on is $1,000, $100 for members 23 and under, $500 for IRA. Additional deposits do not advance maturity. Bump-Up Certificate: One dividend increase per term. Maturity date will not advance.

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