Deposit Rates
Effective as of Wednesday, May 12, 2021
Go Green Checking*
Balance | Minimum to Earn | Rate | APY |
|---|---|---|---|
| Balances ≤ $25,000.00 | $0.01 | 1.000% | 1.000% |
| Balances ≥ $25,000.01 | $25,000.01 | 0.100% | 0.100% |
Savings
Type | Minimum to Earn | Rate | APY |
|---|---|---|---|
| Share Savings∓ | $60.23 | 0.100% | 0.100% |
| Special Purpose Savings^^ | $60.23 | 0.100% | 0.100% |
| Tuition Builder^ | $15.29 | 0.394% | 0.400% |
Youth Savings
Name | Minimum to Earn | Rate | APY |
|---|---|---|---|
| Dollar Dog Kids Account• | $5.89 | 1.000% | 1.005% |
| Elements Teen Account•• | $5.89 | 1.000% | 1.005% |
Money Market°°
Balance | Minimum to Earn | Rate | APY |
|---|---|---|---|
| Up to $24,999 | $2,500.00 | 0.150% | 0.150% |
| $25,000 to $49,999 | $25,000.00 | 0.200% | 0.200% |
| $50,000 to $99,999 | $50,000.00 | 0.250% | 0.250% |
| $100,000 to $249,999 | $100,000.00 | 0.350% | 0.350% |
| Over $250,000 | $250,000.00 | 0.400% | 0.400% |
Certificates†
Term | Minimum to Open | Rate | APY |
|---|---|---|---|
| 3-Month | $100.00 | 0.296% | 0.300% |
| 6-Month | $100.00 | 0.345% | 0.350% |
| 1-Year | $100.00 | 0.443% | 0.450% |
| 18-Month | $100.00 | 0.591% | 0.600% |
| 2-Year | $100.00 | 0.492% | 0.500% |
| 30-Month | $100.00 | 0.786% | 0.800% |
| 3-Year | $100.00 | 0.591% | 0.600% |
| 4-Year | $100.00 | 0.737% | 0.750% |
| 5-Year | $100.00 | 0.835% | 0.850% |
Individual Retirement Accounts◊
Term | Minimum to Open | Rate | APY |
|---|---|---|---|
| 3-Month | $100.00 | 0.296% | 0.300% |
| 6-Month | $100.00 | 0.345% | 0.350% |
| 1-Year | $100.00 | 0.443% | 0.450% |
| 18-Month | $100.00 | 0.591% | 0.600% |
| 2-Year | $100.00 | 0.492% | 0.500% |
| 30-Month | $100.00 | 0.786% | 0.800% |
| 3-Year | $100.00 | 0.591% | 0.600% |
| 4-Year | $100.00 | 0.737% | 0.750% |
| 5-Year | $100.00 | 0.982% | 1.000% |
Disclosures:
APY = Annual Percentage Yield. Rates and terms are subject to change without notice.
* Must meet account qualifications to earn APY and ATM fee reimbursements. When qualifications are met, earn 1.00% APY on balances up to $25,000 and earn 0.10% on balances over $25,000. Limited to one per member. To learn more, please refer to our account qualifications. To learn more, please refer to our account qualifications.
∓ Rates on Savings accounts may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services. Fees may reduce earnings on the account.
^^ Rates on Savings accounts may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. Fees may reduce earnings on the account. At your request, the balance in the account will be transferred on the date of your choice to your Share Savings account with us.
^The dividend rate and annual percentage yield may change every quarter. The dividend rate for your account will be equal to the average of the past three months’ dividend rates on the 6-Month Term Certificate Account. The minimum balance required to open this account is $100. If the balance in this account drops below $100 on any day, the account will be closed and the remaining balance will be transferred to a Share Savings account.
• Dollar Dog account requires a $5 initial deposit. Dollar Dog is a registered trademark of Marketing Partners. A parent, legal guardian, or an adult member of the child's family must be a joint owner on the Dollar Dog Savings account, the Jovia Free Checking account and/or Visa® Debit Card for teens under the age of 17.
•• Elements Teen Savings account requires a $5 initial deposit. Minimum balance to earn APY is based on a 30-day month.
°° Minimum balance to earn APY is based on a 30-day month. Fees could reduce earnings on the account. Rates on Savings and Checking accounts may change after the account is opened. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services.
† APY assumes all dividends remain in the certificate until maturity. Withdrawals will reduce earnings. Fees could also reduce earnings. Penalties may be imposed for early withdrawal. Penalty-free withdrawals for tuition and home purchases only. Ask for details.
◊ APY assumes funds remain on deposit until maturity. Minimum balance requirements apply. No Credit Union penalties on withdrawals on IRA for normal IRA distributions. Consult a tax advisor regarding tax penalties for IRA withdrawals before age 59 ½. Penalties and fees may reduce earnings on accounts. Ask for details.
± Also known as IRA Savers Dividend. Fees and penalties may reduce earnings on the account. Consult with your tax advisor regarding tax deductibility. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services.