Share (Savings) Accounts:
A share account establishes your membership in the credit union. This account can be opened with as little as $5.00. As a credit union member, you are also an owner, so your account receives dividends on a quarterly basis*. In addition, we offer the convenience of payroll deduction so the savings is automatic. 

SHARE DIVIDEND RATES (As of 9/30/2008)
AVG DAILY BALANCE	APY
< $100	0.00%
$100 - $1999.99	2.00%
$2000 - $4999.99	2.50%
$5000 - $9999.99	2.75%
$10,000 +	3.25%

* Minimum share balance of $100 required to earn dividends. Accounts are insured by the National Credit Union Association (NCUA) to at least $250,000.

Share Certificates:
Share certificates are a great way to get the most from your savings. Simply lock in a minimum of $500 for the term that is most convenient for you, and in return, you receive dividends that are higher than your normal share account. Rates are subject to change at any time and there may be a penalty for withdrawal of funds prior to certificate maturity date.

 

 

 

SHARE CERTIFICATE RATES (As of 10/1/2008)

	Regular $500-$24,999		Jumbo $25,000+
CD Term	Interest Rate	Annual Percentage Yield (APY)	Interest Rate	Annual Percentage Yield (APY)
3 month	2.96	3.00	3.44	3.50
6 month	3.19	3.24	3.67	3.74
9 month	3.35	3.41	3.84	3.91
12 month	3.52	3.58	4.00	4.08
18 month	3.60	3.67	4.09	4.17
2 year	3.68	3.75	4.16	4.25
3 year	3.88	3.96	4.36	4.46
4 year	4.10	4.19	4.58	4.69
5 year	4.44	4.54	4.92	5.04

* Rates will be increased by .5% for new money deposits. APY assumes
dividends are added on to principal balance.