Rates effective as of January 1, 2020

As a member of New Dimensions Federal Credit Union, you’ll earn better dividends and pay fewer fees than you would at other financial institutions. Let us assist in securing a profitable and healthy financial future for you and your family.

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Variable Account Rates

See our Truth in Savings Disclosure for Variable Rate Shares

Kasasa Cash, Kasasa Cash Back Accounts & Kasasa Saver

Account Type	Minimum Opening Deposit	Minimum Balance to Earn Dividends	Dividend Rate (APY*)
Kasasa Cash	$0	$0	2.49% up to $15,000, .25% over $15,000. (APY: .59% blended rate over $15,000)
Kasasa Cash Back	N/A	N/A	0.00%
Kasasa Saver	$0	$0	1.00% up to $25,000, .25% over $25,000. (APY: .44% blended rate over $25,000. Saver only available with Cash or Cash Back account.

Regular & Club Savings Accounts

Account Type	Minimum Opening Deposit	Minimum Balance to Earn Dividends	Dividend Rate (APY*)
Regular Savings	$25	$100	0.10%
Club Savings	N/A	$100	0.10%

60+ Savings Accounts

Account Type	Minimum Opening Deposit	Minimum Balance to Earn Dividends	Dividend Rate (APY*)
60+ Savings	$25	$100	0.10%

Youth Savings Accounts

Account Type	Minimum Opening Deposit	Minimum Balance to Earn Dividends	Dividend Rate (APY*)
Monty Moose Age 0-11	$5	$5	0.10%
Take Charge Age 12-17	$5	$25	0.10%

Certificate Savings Account (CSA)

Balance	Rate for the Tier* (APY*)	APY*
$100 to $2,499	0.10%	0.10%
$2,500 to $9,999	0.20%	0.20%
$10,000 to $49,999	0.25%	0.25%
$50,000 or More	0.30%	0.30%

Jumbo Certificate Savings Account (CSA)

Minimum Balance Required to Earn Dividends	Rate for Tier	Composite APY**
$100 - $49,999.99	0.10%	0.10%
$50,000 - $99,999.99	0.30%	0.20%
$100,000 - $249,999.99	0.90%	0.62%
$250,000 - $499,999.99	1.05%	0.84%
$500,000 & up	1.25%	0.91%

**Composite APY for multiple tier split rate account

Health Savings Account

Minimum Opening Deposit	Minimum Balance to Earn Dividends	Dividend Rate (APY*)
N/A	$100	.25%

Coverdell Education Savings Account

Minimum Opening Deposit	Minimum Balance to Earn Dividends	Dividend Rate (APY*)
NA	$100	.25%

Individual Retirement Account Rates

Type	Minimum Balance to Open	Minimum Balance to Earn Dividends	Dividend Rate (APY*)
Traditional IRA	$0.00	$100	0.25%
Roth IRA	$0.00	$100	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.

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Certificate Rates

Share Certificates

Term	Minimum Deposit	Dividend Rate	APY*	Dividend Penalty
6 months	$1,000	1.90%	1.92%	90 days
12 months	$1,000	2.05%	2.07%	180 days
18 months	$1,000	2.05%	2.07%	270 days
24 months	$1,000	2.10%	2.12%	360 days
36 months	$1,000	2.20%	2.22%	540 days
48 months	$1,000	2.30%	2.33%	720 days
60 months	$1,000	2.40%	2.43%	900 days

Youth Share Certificates

Type	Term	Minimum Deposit	Dividend Rate	APY*	Dividend Penalty
Monty Moose (age 0-11)	12 months	$500	2.05%	2.07%	180 days
Take Charge (age 12-17)	12 months	$500	2.05%	2.07%	180 days

IRA Share Certificates

Term	Minimum Deposit	Dividend Rate	APY*	Dividend Penalty
6 months	$2,000	1.90%	1.92%	90 days
12 months	$2,000	2.05%	2.07%	180 days
18 months	$2,000	2.05%	2.07%	270 days
24 months	$2,000	2.10%	2.12%	360 days
36 months	$2,000	2.20%	2.22%	540 days
48 months	$2,000	2.30%	2.33%	720 days
60 months	$2,000	2.40%	2.43%	900 days