Savings Rates

Regular Savings Rates as of September 10, 2014

  Minimum Balance APY** Rate Changes
TIER I $5-$4,999 .10% Quarterly
TIER II $5,000 + .15% Quarterly

NOTE: Dividends declared and paid quarterly, except Money Market Checking, and are paid from available earnings. Rates are subject to change as determined by the Board of Directors. Refer to Truth-in Savings disclosure available at each office for specific terms.

**Annual Percentage Yield (APY) quoted according to Member Relationship Rewards Program Platinum.
Your aggregate savings accounts are insured to $250,000 by the National Credit Union Administration(NCUA), a federal agency. Your accounts are also insured up to an additional $250,000 with coverage provided by ASI, for combined coverage of up to $500,000.
IRAs are separately insured up to $500,000 with combined federal and private insurance. An additional $250,000 on aggregate savings accounts and IRAs is insured by American Share Insurance Corporation (ASI)

*Penalty for early withdrawal

Christmas Club Savings Rates as of September 10, 2014

  Minimum Balance APY** Rate Changes
TIER I $5-$4,999 .10% Quarterly
TIER II $5,000 + .15% Quarterly

NOTE: Dividends declared and paid quarterly, except Money Market Checking, and are paid from available earnings. Rates are subject to change as determined by the Board of Directors. Refer to Truth-in Savings disclosure available at each office for specific terms.

**Annual Percentage Yield (APY) quoted according to Member Relationship Rewards Program Platinum.
Your aggregate savings accounts are insured to $250,000 by the National Credit Union Administration(NCUA), a federal agency. Your accounts are also insured up to an additional $250,000 with coverage provided by ASI, for combined coverage of up to $500,000.
IRAs are separately insured up to $500,000 with combined federal and private insurance. An additional $250,000 on aggregate savings accounts and IRAs is insured by American Share Insurance Corporation (ASI)

*Penalty for early withdrawal

Roth, Education and IRA Rates as of September 10, 2014

  Minimum Balance APY** Rate Changes
TIER I $5-$4,999 .10% Quarterly
TIER II $5,000 + .15% Quarterly

NOTE: Dividends declared and paid quarterly, except Money Market Checking, and are paid from available earnings. Rates are subject to change as determined by the Board of Directors. Refer to Truth-in Savings disclosure available at each office for specific terms.

**Annual Percentage Yield (APY) quoted according to Member Relationship Rewards Program Platinum.
Your aggregate savings accounts are insured to $250,000 by the National Credit Union Administration(NCUA), a federal agency. Your accounts are also insured up to an additional $250,000 with coverage provided by ASI, for combined coverage of up to $500,000.
IRAs are separately insured up to $500,000 with combined federal and private insurance. An additional $250,000 on aggregate savings accounts and IRAs is insured by American Share Insurance Corporation (ASI)

*Penalty for early withdrawal

Money Market Checking Rates as of September 10, 2014

  Minimum Balance APY** Rate Changes
TIER I $5,000 - $9,999 .15% Monthly
TIER II $10,000+ .20% Monthly

NOTE: The variable dividend rate and the annual percentage yield (APY) will be indexed to the 3-month T-Bill rate less a variable margin (.5% - 2%) as determined by the Board of Directors. The rate and margin are Subject to change monthly.

**Annual Percentage Yield (APY) quoted according to Member Relationship Rewards Program Platinum.
Your aggregate savings accounts are insured to $250,000 by the National Credit Union Administration(NCUA), a federal agency. Your accounts are also insured up to an additional $250,000 with coverage provided by ASI, for combined coverage of up to $500,000.
IRAs are separately insured up to $500,000 with combined federal and private insurance. An additional $250,000 on aggregate savings accounts and IRAs is insured by American Share Insurance Corporation (ASI)

*Penalty for early withdrawal

6 month Certificate Rates as of September 10, 2014

  Standard Silver Gold Platinum
  Advantage/Bronze $10,000 - $25,000* $25,001 - $100,000* Over $100,000*
Minimum Balance*     **APY     **APY     **APY     **APY
$2,500     .15%     .15%     .20%     .25%
$5,000     .15%     .15%     .20%     .25%
$10,000     .20%     .20%     .25%     .30%

**Annual Percentage Yield (APY) quoted according to Member Relationship Rewards Program.
Your aggregate savings accounts are insured to $250,000 by the National Credit Union Administration(NCUA), a federal agency. Your accounts are also insured up to an additional $250,000 with coverage provided by ASI, for combined coverage of up to $500,000.
IRAs are separately insured up to $500,000 with combined federal and private insurance. An additional $250,000 on aggregate savings accounts and IRAs is insured by American Share Insurance Corporation (ASI)

*Penalty for early withdrawal

1 and 2 Year Certificate Rates as of September 10, 2014

  Standard Silver Gold Platinum
  Advantage/Bronze $10,000 - $25,000* $25,001 - $100,000* Over $100,000*
1 Year Certificate                        
Minimum Balance*     **APY     **APY     **APY     **APY
$2,500     .20%     .20%     .25%     .30%
$5,000     .20%     .20%     .25%     .30%
$10,000     .25%     .25%     .30%     .35%
2 Year Certificate                        
Minimum Balance*     **APY     **APY     **APY     **APY
$2,500     .30%     .30%     .35%     .40%
$5,000     .30%     .30%     .35%     .40%
$10,000     .35%     .35%     .40%     .45%

**Annual Percentage Yield (APY) quoted according to Member Relationship Rewards Program.
Your aggregate savings accounts are insured to $250,000 by the National Credit Union Administration(NCUA), a federal agency. Your accounts are also insured up to an additional $250,000 with coverage provided by ASI, for combined coverage of up to $500,000.
IRAs are separately insured up to $500,000 with combined federal and private insurance. An additional $250,000 on aggregate savings accounts and IRAs is insured by American Share Insurance Corporation (ASI)

*Penalty for early withdrawal

3 and 5 Year Certificate Rates as of September 10, 2014

  Standard Silver Gold Platinum
  Advantage/Bronze $10,000 - $25,000* $25,001 - $100,000* Over $100,000*
3 Year Certificate                        
Minimum Balance*     **APY     **APY     **APY     **APY
$2,500     .40%     .40%     .45%     .50%
$5,000     .40%     .40%     .45%     .50%
$10,000     .45%     .45%     .50%     .55%
5 Year Certificate                        
Minimum Balance*     **APY     **APY     **APY     **APY
$2,500     1.04%     1.04%     1.09%     1.14%
$5,000     1.04%     1.04%     1.09%     1.14%
$10,000     1.09%     1.09%     1.14%     1.19%

**Annual Percentage Yield (APY) quoted according to Member Relationship Rewards Program.
Your aggregate savings accounts are insured to $250,000 by the National Credit Union Administration(NCUA), a federal agency. Your accounts are also insured up to an additional $250,000 with coverage provided by ASI, for combined coverage of up to $500,000.
IRAs are separately insured up to $500,000 with combined federal and private insurance. An additional $250,000 on aggregate savings accounts and IRAs is insured by American Share Insurance Corporation (ASI)

*Penalty for early withdrawal

IRA Certificate Rates as of September 10, 2014

  Standard Silver Gold Platinum
  Advantage/Bronze $10,000 - $25,000* $25,001 - $100,000* Over $100,000*
1 Year Certificate IRA                        
Minimum Balance*     **APY     **APY     **APY     **APY
$2,000     .25%     .25%     .30%     .35%
2 Year Certificate IRA                        
Minimum Balance*     **APY     **APY     **APY     **APY
$2,000     .35%     .35%     .40%     .45%
3 Year Certificate IRA                        
Minimum Balance*     **APY     **APY     **APY     **APY
$2,000     .45%     .45%     .50%     .55%
5 Year Certificate IRA                        
Minimum Balance*     **APY     **APY     **APY     **APY
$2,000     1.09%     1.09%     1.14%     1.19%

**Annual Percentage Yield (APY) quoted according to Member Relationship Rewards Program.
Your aggregate savings accounts are insured to $250,000 by the National Credit Union Administration(NCUA), a federal agency. Your accounts are also insured up to an additional $250,000 with coverage provided by ASI, for combined coverage of up to $500,000.
IRAs are separately insured up to $500,000 with combined federal and private insurance. An additional $250,000 on aggregate savings accounts and IRAs is insured by American Share Insurance Corporation (ASI)

*Penalty for early withdrawal