Share Certificate Rates

 SHARE CERTIFICATE Rates Effective: 8/27/18
 TERM  Dividend Rate  APY*
 2-5 Months  0.25%  0.25%
 6-11 Months  0.50%  0.50%
 12-23 Months  0.75%  0.75%
 15 Month Special  1.93%  1.95%
 24-35 Months  1.00%  1.00%
 25 Month Special  2.42%  2.45%
 36-47 Months  1.14%  1.15%
 48-59 Months  1.24%  1.25%
 60 Months  1.49%  1.50%

**APY=Annual Percentage Yield, assumes the same rate for 1 year. Interest is compounded and credited monthly. $500 minimum required to open. Rates subject to change without notice. Federally Insured by NCUA. Rates may change after account is opened. Fee’s could reduce earnings. A penalty may be imposed for early withdrawal.


 LUCKY SAVER CERTIFICATE Rates Effective: 10/1/15
 TERM  Dividend Rate  APY*
 12 Months  1.00%  1.00%

*APY = Annual Percentage Yield. Federally Insured by NCUA. Rates subject to change without notice.

Each Lucky Savers Certificate requires an initial deposit of $25.00 and account holders may make additional deposits into that certificate throughout its term, up to $250 per month. Should a member deposit in excess of $250 in any month, the excess will be transferred to their primary share savings. The initial deposit and all subsequent deposits mature 12 months after the date that the initial deposit is made. Each account holder is limited to one Lucky Savers Certificate.

During the term of the Lucky Savers Certificate, account holders will be allowed to make one withdrawal from the account, with a $25.00 penalty to be assessed at the time of withdrawal. If the early withdrawal reduces the principal below the minimum balance or a second withdrawal is performed in the 12-month term, the certificate will be closed. The credit union will deduct from the principal amount to cover the penalty.