Rates effective as of March 1, 2017
As a member of New Dimensions Federal Credit Union, you earn better dividends with fewer fees than you would find at other financial institutions. That’s because we’re here to empower you to succeed financially!
Variable Account Rates
| 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% |
| Minimum Opening Deposit | Minimum Balance to Earn Dividends | Dividend Rate (APY*) |
| $25 | $100 | 0.10% |
| 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% |
| 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% |
| 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 | 0.75% | 0.53% |
| $250,000 - $499,999.99 | 0.85% | 0.69% |
| $500,000 & up | 1.00% | 0.85% |
**Composite APY for multiple tier split rate account
| Minimum Opening Deposit | Minimum Balance to Earn Dividends | Dividend Rate (APY*) |
| N/A | $100 | .25% |
| Minimum Opening Deposit | Minimum Balance to Earn Dividends | Dividend Rate (APY*) |
| N/A | $100 | .25% |
| Type | Minimum Balance to Open | Minimum Balance
to Earn Dividends
| Dividend Rate
(APY*) |
| Traditional IRA | N/A | $100 | 0.25% |
| Roth IRA | N/A | $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.
| Term | Minimum Deposit | Dividend Rate | APY* | Dividend Penalty |
| 6 months | $1,000 | 0.40% | 0.40% | 90 days |
| 12 months | $1,000 | 0.55% | 0.55% | 180 days |
| 18 months | $1,000 | 0.67% | 0.67% | 270 days |
| 24 months | $1,000 | 0.80% | 0.80% | 360 days |
| 36 months | $1,000 | 1.25% | 1.25% | 540 days |
| 48 months | $1,000 | 1.55% | 1.55% | 720 days |
| Type | Term | Minimum Deposit | Dividend Rate | APY* | Dividend Penalty |
Monty Moose
(age 0-11) | 12 months | $500 | 0.55% | 0.55% | 180 days |
Take Charge
(age 12-17) | 12 months | $500 | 0.55% | 0.55% | 180 days |
| Term | Minimum Deposit | Open Rate | Maturity Rate | APY* | Dividend Penalty |
| 5 years | $5,000 | 0.75% | 3.00% | 1.97% | 900 days |
| Term | Minimum Deposit | Dividend Rate | APY* | Dividend Penalty |
| 6 months | $2,000 | 0.40% | 0.40% | 90 days |
| 12 months | $2,000 | 0.55% | 0.55% | 180 days |
| 18 months | $2,000 | 0.67% | 0.67% | 270 days |
| 24 months | $2,000 | 0.80% | 0.80% | 360 days |
| 36 months | $2,000 | 1.25% | 1.26% | 540 days |
| 48 months | $2,000 | 1.55% | 1.56% | 720 days |
