Savings Rates
The credit union offers competitive dividend rates for accounts such as our Share Savings Account, Youth Savings Accounts, Summer Pay Club, Holiday Club, Money Market Account and our various Share Certificates.
Share Savings Rates as of November 1, 2024
Type of Account | Prospective Annual | Prospective Annual |
|---|---|---|
| Regular Share Savings Account* | .01% | .01% |
| Kirby Kangaroo Club* | .01% | .01% |
| iSave Teen Club* | .01% | .01% |
| Summer Pay Club | .01% | .01% |
| Holiday Club | .01% | .01% |
| Health Savings Account (HSA) | .01% | .01% |
The above dividends are computed on your daily balance and paid quarterly. The dividend rate may change after the account is opened. The minimum balance required is $25.00 to earn the Annual Percentage Yield. Any fees incurred could reduce the earnings on the account.
Please note that you must keep your account active (at least one transaction per year) in order to not receive a monthly Inactive Account Fee.
Money Market Savings | Prospective Annual | Prospective Annual |
|---|---|---|
| $2,000 - $9,999 | 1.00% | 1.00% |
| $10,000 - $49,999 | 1.50% | 1.50% |
| $50,000 and up | 2.00% | 2.00% |
Money Market dividends are computed on your average daily balance and paid quarterly. The minimum balance of $2,000 is required to earn the current annual percentage yield. Dividends are payable from current available earnings and cannot be guaranteed. Rates are subject to change without notice. The dividend rate may change after your account is opened.
Share Certificates | Prospective Annual | Prospective Annual |
|---|---|---|
| 1 Year Share Certificate | ||
| $1,000 or more | 3.75% | 3.75% |
| 2 Year Share Certificate | ||
| $1,000 - $49,500 | 3.70% | 3.70% |
| $50,000 or more | 3.80% | 3.80% |
| 3 Year Share Certificate | ||
| $1,000 - $49,500 | 3.60% | 3.60% |
| $50,000 or more | 3.70% | 3.70% |
The dividends are paid quarterly and are transferred to your Share Savings Account. Minimum deposit $1,000. Additional Amounts in $500 increments. The minimum balance of $1,000 is required to earn the current annual percentage yield. Dividends will not be compounded. Penalties for early withdrawal apply.
The 1, 2, and 3 Year Share Certificates will automatically renew at maturity at what the current rate is at that time. You may prevent renewal if we receive written notice from you before maturity of your intention not to renew or you withdraw the funds in the account at maturity.
Initial share deposit and minimum balance requirement in primary Share Savings Account is $25.00.
Dividends are payable from current available earnings and cannot be guaranteed.
Rates are subject to change without notice.