|Effective Date: Friday, February 3rd, 2023|
|Account Type||Dividend Rate||APY*||Account Type||Dividend Rate||APY*|
|Primary Shares||0.05%||0.05%||IRA Premium Money Market Account||0.99%||1.00%|
|Reserve Shares||0.05%||0.05%||Money Market ($100.00-$2,499.99)||0.05%||0.05%|
|Growth Shares||0.05%||0.05%||Money Market ($2,500 to $9999.99)||0.55%||0.55%|
|Christmas Club||0.05%||0.05%||Money Market ($10,000 to $24,999.99)||0.65%||0.65%|
|Youth Account||0.05%||0.05%||Money Market ($25,000 and over)||0.75%||0.75%|
|Right Start Young Adult||0.15%||0.15%||Draft Checking||0.05%||0.05%|
|Platinum Plus Account ($1.00 to $2,999.99)||0.05%||0.05%||Bonus Checking||1.98%||2.00%|
|Platinum Plus Account ($3,000.00 to $24,999.99)||0.70%||0.70%||Insurance Escrow||0.05%||0.05%|
|Platinum Plus Account ($25,000 and over)||0.75%||0.75%||Mortgage Escrow||0.05%||0.05%|
* 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. For primary, reserve, growth, Christmas Club, Draft Checking, Mortgage Escrow, & Insurance Escrow accounts require a minimum balance of $100 to earn the stated APY. 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. All members must maintain $5.00 in their regular savings (regular share) account at all times. An initial fee of 25¢ is charged for each membership opened. Except for Youth Accounts (available only to persons under the age of 16), accounts that fall below a daily balance of $100 will not earn a dividend. All accounts are variable rate accounts, and the rate is subject to change at any time at the discretion of the Credit Union's Board of Directors.
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Please note that fees may reduce earnings on some accounts.