Deposit Rates

Rates Effective: Tuesday, April 15th, 2014.
These rates are subject to change without notice.

Accounts APR* APY** Min. Opening Balance Min. Bal. To Avoid Fee Balance To Earn Dividends Dividend Compounded & Credited Dividend Period
Membership Savingsclick here for more information
below $100
$100-$499
$500+
0.00%
0.10%
0.15%
0.00%
0.10%
0.15%
$25.00 - $100.00 Monthly Monthly
IRA Shareclick here for more information 0.90% 0.90% - - - Monthly Monthly
Christmas Clubclick here for more information
$0-$9,999
$10,000+
0.30%
0.15%
0.30%
0.15%
$10.00 - $10.00 Monthly Monthly
Vacation Clubclick here for more information
$0-$9,999
$10,000+
0.30%
0.15%
0.30%
0.15%
$10.00 - $10.00 Monthly Monthly
Millionaires Clubclick here for more information
$0-$499
$500+
0.10%
0.15%
0.10%
0.15%
$5.00 - $5.00 Monthly Monthly
My Money Zoneclick here for more information
$0-$499
$500+
0.10%
0.15%
0.10%
0.15%
$5.00 - $5.00 Monthly Monthly
College and Careersclick here for more information
below $100
$100-$499
$500+
0.00%
0.10%
0.15%
0.00%
0.10%
0.15%
$25.00 - $100.00 Monthly Monthly
Roam Free Checkingclick here for more information
$1,000-$9999
$10,000-$49,999
$50,000+
0.05%
0.10%
0.15%
0.05%
0.10%
0.15%
$0.00 - $1,000.00 Monthly Monthly
Green Accountclick here for more information
$1000-$9,999
$10,000-$49,000
$50,000+
0.05%
0.10%
0.15%
0.05%
0.10%
0.15%
$0.00 - $1,000 Monthly Monthly
Advantage Money Marketclick here for more information
$0-$2,499
$2,500-$9,999
$10,000-$24,999
$25,000-$49,999
$50,000-$74,999
$75,000-$99,999
$100,000-$149,999
$150,000+
0.00%
0.20%
0.25%
0.30%
0.35%
0.40%
0.50%
0.60%
0.00%
0.20%
0.25%
0.30%
0.35%
0.40%
0.50%
0.60%
$0.00 $2,500.00 Monthly Monthly
Elite Money Marketclick here for more information
$0-$2,499
$2,500-$9,999
$10,000-$24,999
$25,000-$49,999
$50,000-$74,999
$75,000-$99,999
$100,000-$149,999
$150,000+
0.00%
0.30%
0.40%
0.45%
0.50%
0.60%
0.70%
0.85%
0.00%
0.30%
0.40%
0.45%
0.50%
0.60%
0.70%
0.85%
$0.00 $2,500.00 Monthly Monthly
Pinnacle Selectclick here for more information
$0-$2,499
$2,500-$99,999
$100,000+
0.00%
0.30%
0.50%
0.00%
0.00%-0.29%
0.29%- 0.62%
$2,500.00 - $2,500.00 Monthly Monthly
Share Certificates APR* APY** Min. Opening Balance Min. Bal. To Avoid Fee Balance To Earn Dividends Dividend Compounded & Credited Dividend Period
3 Month Share Certificateclick here for more information 0.30% 0.30% $500 - $500 Monthly Monthly
6 Month Share Certificateclick here for more information 0.40% 0.40% $500 - $500 Monthly Monthly
1 Year Share Certificateclick here for more information 0.60% 0.60% $500 - $500 Monthly Monthly
18 Month Share Certificateclick here for more information 0.90% 0.90% $500 - $500 Monthly Monthly
2 Year Share Certificateclick here for more information 1.04% 1.05% $500 - $500 Monthly Monthly
3 Year Share Certificateclick here for more information 1.24% 1.25% $500 - $500 Monthly Monthly
5 Year Share Certificateclick here for more information 1.79% 1.80% $500 - $500 Monthly Monthly
Early withdrawal penalties may apply.

* APR=Annual Percentage Rate
** APY=Annual Percentage Yield

TRUTH-IN-SAVINGS DISCLOSURE

Rate Information.  The dividend rate and annual percentage yield is set forth on this schedule. For all dividend bearing accounts, the dividend rate and annual percentage yield may change as determined by the Board of Directors.  The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and compounding frequency for an annual period. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date which is set forth in the rate schedule. The dividend rates and annual percentage yield applicable to each account depends on the balance ranges set forth on this schedule. Once a balance range is met, the highest dividend rate and annual percentage yield for that range will apply to the entire balance in your account, with the exception of the Pinnacle Select account, which features a blended tiered rate that pays the disclosed rate only for the portion of the account balance within the range set for that tier.  Example: If your balance in the Pinnacle Select account is between $0 and $2,499.99, you will not earn any dividends. If your balance is between $2,500.00 and $99,999.99, you will earn the rate for that tier. Any portion of your balance that is $100,000.00 or greater will earn a higher rate.
Monthly Dividend Period.  If the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period and for the example above is January 31.
Nature of Dividends.  Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.
Compounding and Crediting.  Dividends will be compounded and credited as set forth in this schedule. For dividend bearing accounts, the dividend period begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period as set forth on this schedule.
Balance Computation Method.  Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.
Accrual of Dividends.  Dividends will begin to accrue on the business day you place non-cash items (e.g. checks) to your account.
Fees and Charges.  Refer to the Fee Schedule for current fees and charges that may be assessed against your account.
Transaction Limits.  Unless otherwise disclosed, during any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union.
Par Value.  The par value of a share in this credit union is $25.00.
Share Savings Account.  If you are under 18 years of age there is no minimum balance required to earn the annual percentage yield. The minimum amount to open is the purchase of a share in the credit union.
IRA Certificate. The normal CD early withdrawal penalty will be imposed. However, the IRS may impose a 10% penalty if funds are withdrawn before age 59 ½. Certain exceptions may apply.
The Credit Union may offer other rates or amend the rates contained in this schedule from time to time. Each account holder agrees to the terms set forth on this rate schedule and acknowledges that it is a part of the membership and account agreement. The dividend rate and annual percentage yields for each account offered by the Credit Union are effective as of the effective date indicated on this schedule. For savings and checking, the rate and yield may change. Account fees may reduce earnings.  Please call 800.342.9278 or 316.683.1199 to obtain current rate information. This Credit Union is federally insured by the National Credit Union Administration.