Certificates
Rates effective as of January 1, 2020 and subject to change without notice.
| Product | Minimum Balance to Open Account | Minimum Balance to Obtain APY* | Dividend Rate | APY* |
|---|---|---|---|---|
| 3 Month | $2,500 | $2,500 | 0.85% | 0.85% |
| 3 Month | $10,000 | 0.85% | 0.85% | |
| 3 Month | $25,000 | 0.85% | 0.85% | |
| 3 Month | $50,000 | 0.90% | 0.90% | |
| 3 Month | $100,000 | 1.00% | 1.00% | |
| 6 Month | $2,500 | $2,500 | 1.55% | 1.56% |
| 6 Month | $10,000 | 1.55% | 1.56% | |
| 6 Month | $25,000 | 1.55% | 1.56% | |
| 6 Month | $50,000 | 1.65% | 1.66% | |
| 6 Month | $100,000 | 1.75% | 1.76% | |
| 12 Month | $2,500 | $2,500 | 1.85% | 1.86% |
| 12 Month | $10,000 | 1.85% | 1.86% | |
| 12 Month | $25,000 | 1.90% | 1.91% | |
| 12 Month | $50,000 | 1.95% | 1.96% | |
| 12 Month | $100,000 | 2.00% | 2.01% | |
| 24 Month | $2,500 | $2,500 | 2.13% | 2.14% |
| 24 Month | $10,000 | 2.13% | 2.14% | |
| 24 Month | $25,000 | 2.18% | 2.19% | |
| 24 Month | $50,000 | 2.23% | 2.24% | |
| 24 Month | $100,000 | 2.27% | 2.28% | |
| 36 Month | $2,500 | $2,500 | 2.23% | 2.24% |
| 36 Month | $10,000 | 2.23% | 2.23% | |
| 36 Month | $25,000 | 2.25% | 2.26% | |
| 36 Month | $50,000 | 2.30% | 2.31% | |
| 36 Month | $100,000 | 2.35% | 2.36% | |
| 48 Month | $2,500 | $2,500 | 2.32% | 2.33% |
| 48 Month | $10,000 | 2.32% | 2.33% | |
| 48 Month | $25,000 | 2.35% | 2.36% | |
| 48 Month | $50,000 | 2.40% | 2.41% | |
| 48 Month | $100,000 | 2.47% | 2.48% | |
| 60 Month | $2,500 | $2,500 | 2.42% | 2.44% |
| 60 Month | $10,000 | 2.42% | 2.44% | |
| 60 Month | $25,000 | 2.45% | 2.47% | |
| 60 Month | $50,000 | 2.50% | 2.52% | |
| 60 Month | $100,000 | 2.60% | 2.62% |
IRA Certificates
| Product | Minimum Balance to Open Account | Minimum Balance to Obtain APY* | Dividend Rate | APY* |
|---|---|---|---|---|
| 18 Month | $1,000 | $1,000 | 2.00% | 2.01% |
| 24 Month | $1,000 | $1,000 | 2.13% | 2.14% |
| 36 Month | $1,000 | $1,000 | 2.23% | 2.24% |
Please contact the Credit Union for additional rate options for balances ranging from $10,000 to $100,000 plus
Penny Pal’s Certificates
| Product | Minimum Balance to Open Account | Minimum Balance to Obtain APY* | Dividend Rate | APY* |
|---|---|---|---|---|
| 12 Month | $500 | $500 | 1.85% | 1.86% |
| 24 Month | $500 | $500 | 2.12% | 2.13% |
| 36 Month | $500 | $500 | 2.20% | 2.21% |
*APY=Annual Percentage Yield. Please see our Truth in Savings Disclosure and Agreement for information regarding early withdrawal penalties and specific details about any account.
