Share Accounts
Effective Date: Wednesday, March 18, 2026
*APY = Annual Percentage Yield. Dividends are calculated by the daily balance method (paid monthly), which applies a daily periodic rate to the ending principal balance on the account each day. A $1.00 minimum balance must be maintained in your credit union regular shares account to establish membership and retain access to credit union services. Except as specifically described, the following disclosures apply to all of the above accounts.
Checking Accounts
Effective Date: Wednesday, March 18, 2026
| Type | Minimum Deposit to Open | Balance to Earn APY** | Dividend Rate | APY** |
|---|---|---|---|---|
| Non-Interest Bearing Checking Accounts | - | - | - | - |
| Regular Checking | $50 | N/A | 0.00% | 0.00% |
| Fresh Start Checking | $100 | N/A | 0.00% | 0.00% |
| Interest Bearing Checking Accounts | - | - | - | - |
| Gold Checking** | $5,000/td> | $0 to $4,999.99 | 0.00% | 0.00% |
| - | $5,000 to $9,999.99 | 0.50% | 0.50% | |
| - | $10,000 and above | 1.00% | 1.00% |
Money Market Accounts
Effective Date: Wednesday, March 18, 2026
$5,000 Minimum balance to open an account.
| Tiered | Balance to Earn APY** | Dividend Rate | APY** |
|---|---|---|---|
| Tier 1 | $0.00 - $4,999.99 | 0.00% | 0.00% |
| Tier 2 | $5,000 - $9,999.99 | 0.50% | 0.50% |
| Tier 3 | $10,000 - $24,999.99 | 1.00% | 1.00% |
| Tier 4 | $25,000 - $49,999.99 | 1.25% | 1.25% |
| Tier 5 | $50,000 and above | 1.50% | 1.50% |
*APY = Annual Percentage Yield. Dividends are calculated by the daily balance method (paid monthly), which applies a daily periodic rate to the principal in your account each day. A $1.00 minimum balance must be maintained in your credit union regular shares account to establish membership and retain access to credit union services. Except as specifically described.
Certificates
Effective Date: Wednesday, March 18, 2026
$1,000 minimum investment to open an account.
| Term | Dividend Rate | APY** |
|---|---|---|
| 3 Month | 3.26% | 3.30% |
| 6 Months | 3.27% | 3.30% |
| 12 months | 3.44% | 3.50% |
| 18 Months | 3.15% | 3.20% |
| 24 Months | 3.15% | 3.20% |
| 30 Month | 2.95% | 3.00% |
| 36 Month | 2.95% | 3.00% |
| 48 Month | 2.47% | 2.50% |
| 60 Month | 2.47% | 2.50% |
| 5 Month Special | 3.36% | 3.40% |
| 11 Month Special | 3.54% | 3.60% |
*APY = Annual Percentage Yield. Dividends are calculated by the daily balance method (paid monthly), which applies a daily periodic rate to the principal in your account each day. * Dividends pay at maturity for 6 Month Certificate.
Traditional/ Roth IRA Certificates
Effective Date: Wednesday, March 18, 2026
$1,000 Minimum investment to open an account.
| Term | Dividend Rate | APY** |
|---|---|---|
| 12 Months | 3.44% | 3.50% |
| 24 Months | 3.15% | 3.20% |
| 36 Months | 2.95% | 3.00% |
| 48 Months | 2.47% | 2.50% |
| 60 Months | 2.47% | 2.50% |
*APY = Annual Percentage Yield. Dividends are calculated by the daily balance method (paid monthly), which applies a daily periodic rate to the principal in your account each day.
Traditional/ Roth IRA Savings
Effective Date: Wednesday, March 18, 2026
$100 Minimum to open.
| Features | Dividend Rate | APY** |
|---|---|---|
| $100 - $9,999.99 | 0.50% | 0.50% |
| $10,000 and above | 1.25% | 1.25% |
*APY = Annual Percentage Yield. Dividends are calculated by the daily balance method (paid monthly), which applies a daily periodic rate to the principal in your account each day. A $1.00 minimum balance must be maintained in your credit union regular shares account to establish membership and retain access to credit union services. Except as specifically described.