Certificates
Rates effective as of August 3, 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 | 0.25% | 0.25% |
| 3 Month | $10,000 | 0.25% | 0.25% | |
| 3 Month | $25,000 | 0.30% | 0.30% | |
| 3 Month | $50,000 | 0.35% | 0.35% | |
| 3 Month | $100,000 | 0.40% | 0.40% | |
| 6 Month | $2,500 | $2,500 | 0.60% | 0.60% |
| 6 Month | $10,000 | 0.60% | 0.60% | |
| 6 Month | $25,000 | 0.60% | 0.60% | |
| 6 Month | $50,000 | 0.65% | 0.65% | |
| 6 Month | $100,000 | 0.75% | 0.75% | |
| 12 Month | $2,500 | $2,500 | 0.90% | 0.90% |
| 12 Month | $10,000 | 0.90% | 0.90% | |
| 12 Month | $25,000 | 0.90% | 0.90% | |
| 12 Month | $50,000 | 0.95% | 0.96% | |
| 12 Month | $100,000 | 1.00% | 1.01% | |
| 24 Month | $2,500 | $2,500 | 1.00% | 1.01% |
| 24 Month | $10,000 | 1.00% | 1.01% | |
| 24 Month | $25,000 | 1.00% | 1.01% | |
| 24 Month | $50,000 | 1.05% | 1.06% | |
| 24 Month | $100,000 | 1.10% | 1.11% | |
| 36 Month | $2,500 | $2,500 | 1.05% | 1.06% |
| 36 Month | $10,000 | 1.05% | 1.06% | |
| 36 Month | $25,000 | 1.05% | 1.06% | |
| 36 Month | $50,000 | 1.14% | 1.15% | |
| 36 Month | $100,000 | 1.20% | 1.21% | |
| 48 Month | $2,500 | $2,500 | 1.10% | 1.11% |
| 48 Month | $10,000 | 1.10% | 1.11% | |
| 48 Month | $25,000 | 1.10% | 1.11% | |
| 48 Month | $50,000 | 1.19% | 1.20% | |
| 48 Month | $100,000 | 1.25% | 1.26% | |
| 60 Month | $2,500 | $2,500 | 1.21% | 1.22% |
| 60 Month | $10,000 | 1.21% | 1.22% | |
| 60 Month | $25,000 | 1.21% | 1.22% | |
| 60 Month | $50,000 | 1.25% | 1.26% | |
| 60 Month | $100,000 | 1.39% | 1.41% |
IRA Certificates
| Product | Minimum Balance to Open Account | Minimum Balance to Obtain APY* | Dividend Rate | APY* |
|---|---|---|---|---|
| 18 Month | $1,000 | $1,000 | 1.00% | 1.01% |
| 24 Month | $1,000 | $1,000 | 1.00% | 1.01% |
| 36 Month | $1,000 | $1,000 | 1.05% | 1.06% |
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 | 0.90% | 0.90% |
| 24 Month | $500 | $500 | 1.00% | 1.01% |
| 36 Month | $500 | $500 | 1.05% | 1.06% |
*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.
