Certificate Rates

Effective Date: February 1, 2019

JOURNEY, ZENITH, PINNACLE and HORIZON Account members receive an additional increase to the rates shown below. JOURNEY members receive a .10% APR* increase, ZENITH members receive a .20% APR* increase and PINNACLE and HORIZON members receive a .30% APR* increase.

Fixed Term & IRA Certificate Rates and Terms

Length of Term

APR*

APY**

Minimum Opening Balance ($)

6 Months 0.200 0.200 5,000.00
0.300 0.300 10,000.00
0.400 0.400 25,000.00
0.500 0.500 50,000.00
12 Months 0.600 0.600 5,000.00
0.700 0.700 10,000.00
0.800 0.800 25,000.00
0.900 0.900 50,000.00
24 Months 0.900 0.900 5,000.00
1.000 1.000 10,000.00
1.100 1.100 25,000.00
1.800 1.800 50,000.00
36 Months 1.200 1.210 5,000.00
1.400 1.410 10,000.00
1.600 1.610 25,000.00
1.800 1.810 50,000.00

*Annual Percentage Rate **Annual Percentage Yield

Easy $ave Certificate Rates and Terms

Our EASY $AVE CD makes it EASY for you to save money! The minimum opening balance is only $100! And you add to this CD – a minimum automatic deposit of $20 month (or $10 per paycheck).

Length of Term

APR*

APY**

Minimum Opening Balance ($)

Maximum Balance ($)

15 Months 0.700 0.720 100.00 5,000.00
30 Months 1.000 1.020 100.00 5,000.00

*Annual Percentage Rate **Annual Percentage Yield

Discovery & Adventure Accounts Add On Certificate Rates and Terms

Our special Add On CD for our Discovery and Adventure Accounts encourages our younger members to learn the value of saving money.

Length of Term

APR*

APY**

Minimum Opening Balance ($)

12 Months 0.700 0.720 50.00

*Annual Percentage Rate **Annual Percentage Yield

Truth-in-savings Account Disclosures

  1. Rate Information – The Dividend Rates and Annual Percentage Yields on your accounts are set forth above. The Annual
    Percentage Yield reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. The Dividend Rates and Annual Percentage Yields are fixed and will be in effect for the term of the Account. The Annual Percentage Yield is based on the assumption that dividends will remain on deposit until maturity.
  2. Early Withdrawal Penalty – We may impose a penalty if you withdraw any of the principal before the maturity date.
    1. Amount of Penalty – The amount of the early withdrawal penalty is 180 days’ dividends.
    2. How the Penalty Works – The penalty is calculated as a forfeiture of the lesser of:
      1. 180 days dividends, or
      2. the dividends that have been earned on the amount withdrawn since the date of issuance.
    3. Exceptions to Early Withdrawal Penalties – At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
      1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
      2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains age 59 – or becomes disabled.
  3. Compounding and Crediting – Dividends will be compounded and credited quarterly. The dividend period begins effective
    the day of account opening.