Deposit Rates and Fees: Truth-in-Savings (TISA)
High Yield Savings Rates
| Tier | Dividend Rate | Annual Percentage yield (APY) | Minimum opening deposit | Minimum Average Daily Balance to avoid service fee |
|---|---|---|---|---|
| up to $2,500.00 | 1.00% | 1.00% | $100.00 | $1,000.00 |
| $2,500.01 to $25,000.00 | 1.15% | 1.16% | $100.00 | $1,000.00 |
| $25,000.01 to $75,000.00 | 1.75% | 1.76% | $100.00 | $1,000.00 |
| $75,000.01 to $100,000.00 | 2.00% | 2.02% | $100.00 | $1,000.00 |
| $100,000.01 or greater | 2.25% | 2.27% | $100.00 | $1,000.00 |
Savings Rates
| Account Type | Dividend Rate | Annual Percentage yield (APY) | Minimum Opening Deposit | Minimum balance to avoid a service fee | Minimum balance to earn the stated APY | Account limitations |
|---|---|---|---|---|---|---|
| Prime Share Savings | 0.05% | 0.05% | $5.00 | $5.00 | $5.00 | N/A |
| Special Savings | 0.05% | 0.05% | $- | $- | $- | N/A |
| Vacation Savings | 0.25% | 0.25% | $- | $- | $- | N/A |
| Christmas Club | 1.75% | 1.76% | $- | $- | $200.00 | Account Withdrawal Limitations Apply |
| IRA Savings | 0.25% | 0.25% | $50.00 | $- | $- | N/A |
| Health Savings | 0.25% | 0.25% | $- | $- | $- | N/A |
| Estate Savings | 2.00% | 2.02% | $5.00 | $5.00 | $5.00 | N/A |
| Trust Savings | 2.00% | 2.02% | $100.00 | $- | $- | N/A |
Checking Rates
| Account Type | Dividend Rate | Annual Percentage yield (APY) | Minimum Opening Deposit | Minimum balance to avoid a service fee | Minimum balance to earn the stated APY | Account limitations |
|---|---|---|---|---|---|---|
| Checking | 0.00% | 0.00% | $- | $- | $- | N/A |
| Rewards Checking (0-$15,000.00) | 1.75% | 1.76% | $- | $2,500.00 | $- | N/A |
| Rewards Checking ($15,000.01+) | 0.05% | 0.05% | $- | $2,500.00 | $- | N/A |
Certificate Rates
| Term | Dividend Rate | Annual Percentage yield (APY) | Minimum Opening Deposit |
|---|---|---|---|
| 6 month | 3.75% | 3.82% | $500.00 |
| 9 month | 3.50% | 3.56% | $500.00 |
| 12 month | 3.35% | 3.40% | $500.00 |
| 24 month | 3.25% | 3.30% | $500.00 |
| 36 month | 3.00% | 3.04% | $500.00 |
| 48 month | 2.75% | 2.78% | $500.00 |
The rates, fees, and terms applicable to your account at the Credit Union are provided in this Truth-in-Savings Disclosure. We may offer other rates for these accounts from time to time. Effective Date: February 3, 2026.
If you wish to request a copy of the TISA Disclosure or need additional information, please call 1-800-622-5305. Rates are subject to change without notice. Fees may reduce the earnings on some accounts.
