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Share Rates

The Following Dividend Rates have the effective date of: April 1st, 2014.

Step Up Share Certificates

Term (Years) Minimum Deposit (USD) Open Rate (%) Maturity Rate (%) APY*(%) Dividend Penalty (Days)
5 5000 0.50 2.75 1.69 900
7 5000 0.75 3.75 2.44 1275

Rate increases by .25% every 6 months for the five year term, and by .50% annually for the seven year term. Additional funds may be added at your bump dates. Fees may reduce earnings on share certificate accounts. These dividend rates are subject to change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. IRA withdrawals may be subject to a federal early withdrawal penalty and federal and state taxation. Call the credit union to obtain a copy of our Truth in Savings Disclosure.

Share Certificates

Term (Months) Minimum Deposit (USD) Dividend Rate (%) APY*(%) Dividend Penalty (Days)
6 1,000 0.30 0.30 90 Days
12 1,000 0.40 0.40 180 Days
18 1,000 0.50 0.50 270 Days
24 1,000 0.50 0.50 360 Days
36 1,000 0.75 0.75 540 Days
48 1,000 1.00 1.00 720 Days

IRA Certificates

Term (Months) Minimum Deposit (USD) Dividend Rate (%) APY*(%) Dividend Penalty (Days)
6 2,000 0.30 0.30 90 Days
12 2,000 0.40 0.40 180 Days
18 2,000 0.50 0.50 270 Days
24 2,000 0.50 0.50 360 Days
36 2,000 0.75 0.75 540 Days
48 2,000 1.00 1.00 720 Days

Fees may reduce earnings on share certificate accounts. These dividend rates are subject to change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. IRA withdrawals may be subject to a federal early withdrawal penalty and federal and state taxation. Call the credit union to obtain a copy of our Truth in Savings Disclosure.

Monty Moose Share Certificates

Term (Months) Minimum Deposit (USD) Dividend Rate (%) APY*(%) Dividend Penalty (Days)
12 500 0.40 0.40 180 Days

Take Charge Share Certificates

Term (Months) Minimum Deposit (USD) Dividend Rate (%) APY*(%) Dividend Penalty (Days)
12 500 0.40 0.40 180 Days

These dividend rates are subject to change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal.

Share Accounts

Type Balance for Dividend (USD) Minimum Deposit (USD) Dividend Rate (%) APY*(%)
Shares 100 25 0.10 0.10
Club 100 None 0.10 0.10
Share Draft Avg. Blanace 250/Month None 0.00 0.00
Traditional IRA 100 None 0.25 0.25
Roth IRA 100 None 0.25 0.25
Coverdell Education Savings Account 100 None 0.25 0.25
HSAs - Health Savings Accounts 100 None 0.25 0.25

IRA withdrawals may be subject to a federal early withdrawal penalty and federal and state taxation. Call the credit union to obtain a copy of our IRA Trust Agreement and Disclosure.

Certificate Savings Account

Tier (USD) Minimum Deposit (USD) Dividend Rate (%) APY*(%)
100 to 2,499 None 0.10 0.10
2,500 to 9,999 2,500 0.20 0.20
10,000 to 49,999 10,000 0.25 0.25
50,000 or More 50,000 0.30 0.30

*Annual Percentage Yield

All rates subject to change at the discretion of the Board of Directors.

Membership eligibility required.