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Certificate Rates

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Effective September 1, 2018 – September 30, 2018

TERM NON-COMPOUNDING APY COMPOUNDING APY
6 MONTH 1.15%* 1.15%* 1.15% 1.15%
9 MONTH 1.20%* 1.20%* 1.20% 1.21%
12 MONTH 1.35%** 1.35%** 1.35%** 1.36%**
18 MONTH 1.45%* 1.45%* 1.45% 1.46%
24 MONTH 1.45%* 1.45%* 1.45% 1.46%
27 MONTH 1.55%* 1.55%* 1.55% 1.56%
36 MONTH 1.65%* 1.65%* 1.65% 1.66%

A minimum balance of $1,000 is required to be maintained for all regular Share Certificates. A minimum balance of $300 is required to be maintained for regular Share Certificates on minor accounts (Age 0-18)

The MAXIMUM for NEW CD PURCHASES, not renewals, will be $25,000.00 per member every calendar month.

*Dividend payments are mandatory, but the dividends cannot remain in the account. A penalty may be imposed for early withdrawal.

** 12 month CD has 1 time penalty-free withdrawal.

IRA CERTIFICATES OF DEPOSIT

Term Minimum Balance Dividend Rate APY
LAST DIVIDEND DECLARATION DATE: JUNE 30, 2018
IRA Share Account $25 minimum balance .55% .55%
PROSPECTIVE DIVIDEND RATE & APY: SEPTEMBER 30, 2018
IRA Share Account $25 minimum balance .55% .55%
DIVIDEND DECLARATION DATE JULY 01, 2018–JULY 31, 2018
18-Month IRA CD $500 minimum balance 1.45% 1.46%
24-Month IRA CD $500 minimum balance 1.45% 1.46%
36-Month IRA CD $500 minimum balance 1.60% 1.61%
48-Month IRA CD $500 minimum balance 1.60% 1.61%
60-Month IRA CD $500 minimum balance 1.80% 1.81%

*A penalty may be imposed for early withdrawal.

Contact an Employee about applicable fees and terms.