Effective October 1, 2020
| TERM | NON-COMPOUNDING | APY | COMPOUNDING | APY |
|---|---|---|---|---|
| 6 MONTH | 0.25%* | 0.25%* | 0.25% | 0.25% |
| 9 MONTH | 0.25%* | 0.25%* | 0.25% | 0.25% |
| 12 MONTH | 0.30%** | 0.30%** | 0.30%** | 0.30%** |
| 18 MONTH | 0.30%* | 0.30%* | 0.30% | 0.30% |
| 24 MONTH | 0.30%* | 0.30%* | 0.30% | 0.30% |
| 27 MONTH | 0.40%* | 0.40%* | 0.40% | 0.40% |
| 36 MONTH | 0.40%* | 0.40%* | 0.40% | 0.40% |
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, 2020 | |||
| IRA Share Account | $25 minimum balance | .20% | .20% |
| PROSPECTIVE DIVIDEND RATE & APY: December 31, 2020 | |||
| IRA Share Account | $25 minimum balance | 0.20% | 0.20% |
| 18-Month IRA CD | $500 minimum balance | 0.30%* | 0.30%* |
| 24-Month IRA CD | $500 minimum balance | 0.30%* | 0.30%* |
| 36-Month IRA CD | $500 minimum balance | 0.40%* | 0.40%* |
| 48-Month IRA CD | $500 minimum balance | 0.40%* | 0.40%* |
| 60-Month IRA CD | $500 minimum balance | 0.45%* | 0.45%* |
*A penalty may be imposed for early withdrawal.
Contact an Employee about applicable fees and terms.
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