|Effective Date: July 1, 2018|
GOLD: Requires a minimum balance of $500.00
|Term||CD Gold Dividend Rate||CD Gold APY*||IRA Dividend Rate||IRA APY*|
* APY is the Annual Percentage Yield. Unless otherwise paid, dividends are paid to your account and compounded monthly. Additional information about these accounts are found in the Membership and Account agreement. Fees imposed on any of the above accounts could reduce your earnings on your account (APY). As disclosed in your General Terms and Conditions Agreement.
The Credit Union uses the daily balance method of computing dividends, which applies a daily periodic rate to the full amount of principal in the account each day. For current rates, use the above certificate rate schedule. The certificate rate is fixed until the end of the term. The current rates for new certificates or renewal certificates are subject to change at any time at the discretion of the Credit Union's Board of Directors. An early withdrawal penalty may be imposed if funds are withdrawn before maturity and could reduce your earnings on your account (APY).