Savings Rates
Effective Date: Wednesday, January 20th, 2021
AccountDividend RateAPY**
Regular Shares 0.05% 0.05%
Health Savings – $.01 and up 0.35% 0.35%
Holiday Club 0.50% 0.50%
Cumulative IRA 0.35% 0.35%

*Maintenance or activity fees could reduce earnings on the account.

**APY = Annual Percentage Yield. Shares insured up to $250,000 by the NCUA, an agency of the Federal Government. IRAs are insured for up to $250,000.

Money Market Rates
Effective Date: Wednesday, January 20th, 2021
AccountDividend RateAPY**
Money Market – up to $1,999 0.05% 0.05%
Money Market – $2,000-$9,999 0.05% 0.05%
Money Market – $10,000-$24,999 0.10% 0.10%
Money Market – $25,000-$49,999 0.15% 0.15%
Money Market – $50,000 and up 0.20% 0.20%

*Maintenance or activity fees could reduce earnings on the account.

**APY = Annual Percentage Yield. Shares insured up to $250,000 by the NCUA, an agency of the Federal Government. IRAs are insured for up to $250,000.

Checking Accounts
Effective Date: Wednesday, January 20th, 2021
AccountDividend RateAPY**
Premier U Share Draft 0.05% 0.05%
Premier U Plus Share Draft 0.05% 0.05%
U Rewards Share Draft 2.03% 2.05%

*Maintenance or activity fees could reduce earnings on the account.

**APY = Annual Percentage Yield. Shares insured up to $250,000 by the NCUA, an agency of the Federal Government. IRAs are insured for up to $250,000.

Certificate Rates $1,000-$9,999
Effective Date: Wednesday, January 20th, 2021
TermRateAPY**
3 months 0.050 0.05%
6 months 0.100 0.10%
12 months 0.150 0.15%
18 months 0.200 0.20%
24 months 0.300 0.30%
30 months 0.350 0.35%
36 months 0.399 0.40%
48 months 0.449 0.45%
18 Month Educational IRA ($100 min. & $2,000 max.) 0.300 0.30%

*All certificates (with the exception of Educational IRA’s) require a $1,000 minimum. There may be a loss of accrued dividends if there is an early withdrawal of funds.

**APY = Annual Percentage Yield.

Certificate Rates $10,000-$49,999
Effective Date: Wednesday, January 20th, 2021
TermRateAPY**
3 months 0.150 0.15%
6 months 0.200 0.20%
12 months 0.250 0.25%
18 months 0.300 0.30%
24 months 0.399 0.40%
30 months 0.449 0.45%
36 months 0.499 0.50%
48 months 0.549 0.55%

*All certificates (with the exception of Educational IRA’s) require a $1,000 minimum. There may be a loss of accrued dividends if there is an early withdrawal of funds.

**APY = Annual Percentage Yield.

Certificate Rates $50,000 and over
Effective Date: Wednesday, January 20th, 2021
TermRate/APY**APY**
3 months 0.250 0.25%
6 months 0.300 0.30%
12 months 0.350 0.35%
18 months 0.399 0.40%
24 months 0.499 0.50%
30 months 0.549 0.55%
36 months 0.599 0.60%
48 months 0.648 0.65%

*All certificates (with the exception of Educational IRA’s) require a $1,000 minimum. There may be a loss of accrued dividends if there is an early withdrawal of funds.

**APY = Annual Percentage Yield.

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