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Certificate Rates

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Effective October 1, 2018 – October 31, 2018

TERM NON-COMPOUNDING APY COMPOUNDING APY
6 MONTH 1.30%* 1.30%* 1.30% 1.31%
9 MONTH 1.35%* 1.35%* 1.35% 1.36%
12 MONTH 1.50%** 1.50%** 1.50%** 1.51%**
18 MONTH 1.60%* 1.60%* 1.60% 1.61%
24 MONTH 1.60%* 1.60%* 1.60% 1.61%
27 MONTH 1.70%* 1.70%* 1.70% 1.71%
36 MONTH 1.80%* 1.80%* 1.80% 1.81%

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: September 30, 2018
IRA Share Account $25 minimum balance .55% .55%
PROSPECTIVE DIVIDEND RATE & APY: December 31, 2018
IRA Share Account $25 minimum balance .70% .70%
DIVIDEND DECLARATION DATE October 01, 2018–October31, 2018
18-Month IRA CD $500 minimum balance 1.60%* 1.61%*
24-Month IRA CD $500 minimum balance 1.60%* 1.61%*
36-Month IRA CD $500 minimum balance 1.75%* 1.76%*
48-Month IRA CD $500 minimum balance 1.75%* 1.76%*
60-Month IRA CD $500 minimum balance 1.95%* 1.96%*

*A penalty may be imposed for early withdrawal.

Contact an Employee about applicable fees and terms.