Certificates
Rates effective as of April 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 | 0.50% | 0.50% |
| 3 Month | $10,000 | 0.50% | 0.50% | |
| 3 Month | $25,000 | 0.50% | 0.50% | |
| 3 Month | $50,000 | 0.60% | 0.60% | |
| 3 Month | $100,000 | 0.65% | 0.65% | |
| 6 Month | $2,500 | $2,500 | 0.75% | 0.76% |
| 6 Month | $10,000 | 0.75% | 0.76% | |
| 6 Month | $25,000 | 0.75% | 0.76% | |
| 6 Month | $50,000 | 0.85% | 0.86% | |
| 6 Month | $100,000 | 0.90% | 0.91% | |
| 12 Month | $2,500 | $2,500 | 1.00% | 1.01% |
| 12 Month | $10,000 | 1.00% | 1.01% | |
| 12 Month | $25,000 | 1.00% | 1.01% | |
| 12 Month | $50,000 | 1.10% | 1.11% | |
| 12 Month | $100,000 | 1.20% | 1.21% | |
| 24 Month | $2,500 | $2,500 | 1.60% | 1.61% |
| 24 Month | $10,000 | 1.60% | 1.61% | |
| 24 Month | $25,000 | 1.65% | 1.66% | |
| 24 Month | $50,000 | 1.70% | 1.71% | |
| 24 Month | $100,000 | 1.77% | 1.78% | |
| 36 Month | $2,500 | $2,500 | 1.70% | 1.71% |
| 36 Month | $10,000 | 1.70% | 1.71% | |
| 36 Month | $25,000 | 1.70% | 1.71% | |
| 36 Month | $50,000 | 1.70% | 1.71% | |
| 36 Month | $100,000 | 1.80% | 1.81% | |
| 48 Month | $2,500 | $2,500 | 1.80% | 1.81% |
| 48 Month | $10,000 | 1.80% | 1.81% | |
| 48 Month | $25,000 | 1.85% | 1.86% | |
| 48 Month | $50,000 | 1.85% | 1.86% | |
| 48 Month | $100,000 | 1.98% | 1.99% | |
| 60 Month | $2,500 | $2,500 | 1.90% | 1.91% |
| 60 Month | $10,000 | 1.90% | 1.91% | |
| 60 Month | $25,000 | 1.90% | 1.91% | |
| 60 Month | $50,000 | 2.00% | 2.01% | |
| 60 Month | $100,000 | 2.05% | 2.06% |
IRA Certificates
| Product | Minimum Balance to Open Account | Minimum Balance to Obtain APY* | Dividend Rate | APY* |
|---|---|---|---|---|
| 18 Month | $1,000 | $1,000 | 1.50% | 1.51% |
| 24 Month | $1,000 | $1,000 | 1.60% | 1.61% |
| 36 Month | $1,000 | $1,000 | 1.70% | 1.71% |
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 | 1.00% | 1.01% |
| 24 Month | $500 | $500 | 1.60% | 1.61% |
| 36 Month | $500 | $500 | 1.70% | 1.71% |
*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.
