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Savings Rates

Share Rates as of January 1, 2025

Deposit Rates
Rate Types APY Dividend Rate
Savings (Share) Accounts 0.30% 0.30%
Kids "Clubhouse" Club (Share) Account 0.30% 0.30%
Teens Club (Share) Account 0.30% 0.30%
Christmas Club (Share) Account 0.30% 0.30%
Special Savings Club (Share) Account 0.30% 0.30%
IRA Passbook 0.30% 0.30%

DEPOSIT DETAILS

The Credit Union Board of Directors determines share and share draft rates.  The dividend rate and annual percentage yield may change every month based on earnings of the Credit Union.  Minimum balance to earn dividends is $100 in a share account, Kid's Clubhouse Share Account, and Teen Club Share Account.  All accounts except term share accounts are variable rate accounts adjusting monthly except for the passbook IRAs that can adjust daily.

APY = Annual Percentage Yield

Share rate effective date: January 1, 2025

Share Certificate Rates as of March 15, 2025

Share Certificate Rates
Term APY Dividend Rate
Four-Leaf Clover 4-Month Special

4.45%³

 4.38%³
Lucky Pick 6-Month Special 3.15%² 3.11%²
Lucky Pick 12-Month Special 3.15%² 3.11%²
Lucky Pick 18-Month Special 3.15%² 3.11%²
24 months 3.20% 3.16%
36 months 3.25% 3.21%
48 months 3.30% 3.26%
60 months 3.50% 3.45%

²Your Lucky Pick Share Certificate Special: Unlimited number Share Certificate per membership account. At maturity funds automatically renew at the current rate offering for the same term. No other offer may be applied. Valid for a limited time only between March 15-31, 2025. APY = Annual Percentage Yield.

³Four-Leaf Clover Share Certificate Special: Limit one Share Certificate per membership account. Certificate will roll into Share Account at maturity. No other offer may be applied. Valid for a limited time only between March 15-31, 2025. APY = Annual Percentage Yield.

Contact the Credit Union for full details regarding any of the above specials. Insured by NCUA.

APY = Annual Percentage Yield. Minimum deposit balance to open a share certificate is $1,000. A penalty may be imposed on Share Certificates if funds are withdrawn before the maturity date.

Share Certificate rates effective date: March 15, 2025.

IRAs as of December 12, 2024

IRA Rates
Term APY Dividend Rate
IRA 12 months (Share Certificate) 2.75% 2.72%
IRA 18 months (Share Certificate) 3.15% 3.11%
IRA 24 months (Share Certificate) 3.20% 3.16%
IRA 36 months (Share Certificate) 3.25% 3.21%
IRA 48 months (Share Certificate) 3.30% 3.26%
IRA 60 months (Share Certificate) 3.50% 3.45%

Penalty for early withdrawal.

IRA rate effective date: December 12, 2024.