Savings Rates

Table data for Term Certificate Rates and Annual Percentage Yields
 
Dividend Rates Annual Percentage Yield (APY) Minimum Deposit Alert Me
3 Month 3.55 % 3.61 % APY $1,000.00
6 Month 3.60 % 3.66 % APY $1,000.00
9 Month1 3.60 % 3.66 % APY $1,000.00
12 Month Smart Start2 4.40 % 4.49 % APY $25.00
12 Month Variable3 4.22 % $1,000.00
18 Month 4.45 % 4.54 % APY $1,000.00
24 Month 4.55 % 4.65 % APY $1,000.00
36 Month 4.65 % 4.75 % APY $1,000.00
48 Month 4.70 % 4.80 % APY $1,000.00
60 Month 4.89 % 5.00 % APY $1,000.00
3 Month Jumbo 3.60 % 3.66 % APY $100,000.00
6 Month Jumbo 3.65 % 3.71 % APY $100,000.00
9 Month Jumbo1 3.65 % 3.71 % APY $100,000.00
12 Month Jumbo 4.45 % 4.54 % APY $100,000.00
18 Month Jumbo 4.50 % 4.59 % APY $100,000.00
24 Month Jumbo 4.60 % 4.70 % APY $100,000.00
36 Month Jumbo 4.70 % 4.80 % APY $100,000.00
48 Month Jumbo 4.75 % 4.85 % APY $100,000.00
60 Month Jumbo 4.94 % 5.05 % APY $100,000.00
  • 1One time penalty-free withdrawal on 9 month share certificates only.
  • 2Additional funds may be added at any time.
  • 312 month Variable Rate certificate penalty will equal 6 months' of dividends; additional deposits allowed at any time. Rate is based upon the 1 Year T Bill rate less .5 basis points. Rate will adjust on a monthly basis. Rate will not fall below 1.00% APR or exceed 8.00% APR. Additional funds may be added at any time.

Table data for Money Market and Savings Account Rates and Annual Percentage Yields
 
Anticipated Monthly Rates beginning 1/01/20231 Dividend Rates Annual Percentage Yield (APY) Balance2 Alert Me
Money Market Access 1.00 % 1.00 % $0.01 - $25,000
Money Market Access 1.00 % 1.00 % $25,000- $50,000
Money Market Access 1.10 % 1.10 % $50,000 - $175,000
Money Market Access 1.25 % 1.25 % $175,000+
Anticipated Quarterly Rates beginning 1/01/20233 Dividend Rates Annual Percentage Yield (APY) Alert Me
Share Account4 0.75 % 0.75 %
Christmas Club 1.00 % 1.00 %
IRA Accumulation 1.00 % 1.00 %
  • 1Rates are declared monthly and may change after the account is opened.
  • 2Dividends are calculated on the average daily balance and posted to your account monthly.
  • 3Rates are declared quarterly and may change after the account is opened.
  • 4The par value of each share will be $0.01

Table data for IRA Term Certificate Rates and Annual Percentage Yields
 
Dividend Rates Annual Percentage Yield (APY) Minimum Deposit Alert Me
12 Month IRA1 4.40% 4.49% $25.00
18 Month IRA 4.45% 4.54% $1,000.00
24 Month IRA 4.55% 4.65% $1,000.00
36 Month IRA 4.65% 4.75% $1,000.00
48 Month IRA 4.70% 4.80% $1,000.00
60 Month IRA 4.89% 5.00% $1,000.00
12 Month IRA Jumbo 4.45% 4.54% $100,000.00
18 Month IRA Jumbo 4.50% 4.59% $100,000.00
24 Month IRA Jumbo 4.60% 4.70% $100,000.00
36 Month IRA Jumbo 4.70% 4.80% $100,000.00
48 Month IRA Jumbo 4.75% 4.85% $100,000.00
60 Month IRA Jumbo 4.94% 5.05% $100,000.00
  • 1Additional funds may be added at any time.

Rates Accurate as of: January 30, 2023

Rates are subject to change at any time without notice. For the most up-to-date rates, please call our Contact Center at 334.598.4411.

The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union board of directors.

There are penalties for early withdrawal and there are minimum balance and opening deposits requirements. Fees could reduce the earnings on the account.