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Savings and Deposit Rates

(Effective 09.28.2022)

Savings/Deposit Accounts

Account Type Dividend Rates APY Interest
Share Accounts* .15% .15% Compounded and paid quarterly
Business Share Accounts* .15% .15% Compounded and paid quarterly.
Share Draft Accounts** .05% .05% Compounded and paid quarterly. $500 minimum required.
Business Share Draft Accounts**** .05% .05% Compounded and paid quarterly. $500 minimum required.
Senior Share Draft Accounts** .05% .05% Compounded and paid quarterly. $500 minimum required.
Christmas Club Account*** .15% .15% Compounded and paid quarterly

* Minimum to open $5, minimum balance $5
** No minimum balance required to open, no service charge, age 55+ 1 free box of checks per year
*** No minimum balance required to open, no withdrawals prior to distribution date, balance on deposit distributed on November 15 of each year
**** No minimum balance required to open, no service charge

Cash Management

Amount Dividend Rates APY Interest
$1,999 or Less .15% .15% Compounded and paid monthly
$2,000-$24,999.99 .20% .25% Compounded and paid monthly
$25,000-$49,999.99 .40% .45% Compounded and paid monthly
$50,000-$99,999.99 .50% .55% Compounded and paid monthly
$100,000 and over .55% .60% Compounded and paid monthly

Minimum to open $2,000
6 withdrawals per month

IRA Certificates – Traditional, Roth, and Educational

Term Dividend Rates APY Interest
6 months 1.75% 1.76% Compounded and paid monthly
12 months 2.50% 2.52% Compounded and paid monthly
24 months 2.75% 2.78% Compounded and paid monthly
36 months 3.25% 3.29% Compounded and paid monthly
60 months 3.50% 3.55% Compounded and paid monthly

Minimum to open $500.

Share Certificates

Term Dividend Rates APY Interest
6 months 1.75% 1.76% Compounded and paid monthly
12 months 2.50% 2.52% Compounded and paid monthly
24 months 2.75% 2.78% Compounded and paid monthly
36 months 3.25% 3.29% Compounded and paid monthly
60 months 3.50% 3.55% Compounded and paid monthly

Minimum to open $500

Early Withdrawal Penalties. We will impose a penalty if You withdraw any principal funds before the maturity date. For Accounts with a term to maturity equal to or less than 12 months, the penalty imposed will equal 90 days’ interest. For Accounts with a term to maturity greater than 12 months, the penalty imposed will equal 180 days’ interest.


Share Certificate Specials (New Money Only)

9 month (minimum $25,000) 4.00% Dividend Rate 4.07% APY


IRA Club Accounts

Minimum Balance Dividend Rates APY Interest
$100 .15% .15% Compounded and paid quarterly

TUTMA

Dividend Rates APY Interest
.15% .15% Compounded and paid quarterly

Interest calculated daily. Rates are subject to change at anytime. Please contact the credit union for current rates.

Safe Deposit Box Fees

Size Fee
3x5x21 $20/yr
3x10x21 $30/yr
5x10x21 $40/yr
10x10x21 $60/yr
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