Effective January 1, 2020
| TERM | NON-COMPOUNDING | APY | COMPOUNDING | APY |
|---|---|---|---|---|
| 6 MONTH | 1.35%* | 1.35%* | 1.35% | 1.36% |
| 9 MONTH | 1.40%* | 1.40%* | 1.40% | 1.41% |
| 12 MONTH | 1.55%** | 1.55%** | 1.55%** | 1.56%** |
| 18 MONTH | 1.65%* | 1.65%* | 1.65% | 1.66% |
| 24 MONTH | 1.65%* | 1.65%* | 1.65% | 1.66% |
| 27 MONTH | 1.75%* | 1.75%* | 1.75% | 1.76% |
| 36 MONTH | 1.85%* | 1.85%* | 1.85% | 1.86% |
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: December 31, 2019 | |||
| IRA Share Account | $25 minimum balance | .65% | .65% |
| PROSPECTIVE DIVIDEND RATE & APY: March 31, 2020 | |||
| IRA Share Account | $25 minimum balance | .60% | .60% |
| 18-Month IRA CD | $500 minimum balance | 1.65%* | 1.66%* |
| 24-Month IRA CD | $500 minimum balance | 1.65%* | 1.66%* |
| 36-Month IRA CD | $500 minimum balance | 1.80%* | 1.81%* |
| 48-Month IRA CD | $500 minimum balance | 1.80%* | 1.81%* |
| 60-Month IRA CD | $500 minimum balance | 2.00%* | 2.01%* |
*A penalty may be imposed for early withdrawal.
Contact an Employee about applicable fees and terms.
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