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Share & Certificate Rates

Effective October 1, 2014


Type Description Dividend Rate
Min. Balance
Regular Share 0.50% - 1.00%
Regular Share (minors) 1.00%
15, 41, 55
Regular Share 0.50% - 1.00%

1 Dividends compounded and paid monthly
2 Under 18 years of age
3 These accounts are set up for monthly payments to other institutions


Type Description Dividend Rate
Min. Balance
ATM/Debit Card Share 0.50% - 1.00%

Share Certificates of Deposit

Type Description Dividend Rate
Min. Balance
EWD Penalty
6 Month Certificate 1.00% 1.00% $1,000.00 1 Month
3 1 Year Certificate 1.30% 1.31% $1,000.00 3 Months
4 2 Year Certificate 1.70% 1.71% $1,000.00 3 Months
10 6 Month IRA Certificate 1.25% 1.26% $5.00 1 Month
11 1 Year IRA Certificate 1.55% 1.56% $5.00 3 Months
12 2 Year IRA Certificate 1.95% 1.96% $5.00 3 Months
23 5 Year IRA Certificate 2.75% 2.78% $5.00 3 Months
17 2 Year Roth IRA Certificate 1.95% 1.96% $5.00 3 Months
16 6 Month Jumbo Certificate 1.25% 1.26% $25,000.00 1 Month
13 1 Year Jumbo Certificate 1.55% 1.56% $25,000.00 3 Months
14 2 Year Jumbo Certificate 1.95% 1.96% $25,000.00 3 Months
19 3 Year Jumbo Certificate 2.75% 2.78% $25,000.00 3 Months
22 4 Year Jumbo Certificate 2.75% 2.78% $25,000.00 3 Months
21 5 Year Jumbo Certificate 2.75% 2.78% $25,000.00 3 Months
35 1 Year Special Jumbo Certificate 1.55% 1.56% $100,000.00 Monthly
70 Adult Rate Builder Certificate 1.30% - $100.00 Monthly
71 Child Rate Builder Certificate 1.30% - $5.00 Monthly

All certificates compounded and paid quarterly except type 35, which is compounded and paid monthly.

Share Disclosures and Fees


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Share Certificate Information

  • All Certificates are set up to roll over automatically at the new rate on maturity unless notified by the member in advance.
  • Maturity notices will be mailed at the beginning of each month in which a Certificate matures.
  • Dividends are accrued monthly and paid quarterly except Certificate #35 which is paid monthly.
  • Dividends that are mailed or transfered to another account will affect the stated Annual Percentage Yield (APY)
  • Deposits to an existing Certificate can be made at maturity only.


** IRA Penalties: Early or Partial withdrawls are subject to additional penalties from the Internal Revenue Service.


Rates for Certificates are evaluated by the Board of Directors monthly unless market rates change frequently. Rates are effective the day following Board decision.

Closing A Certificate

To close a certificate at maturity, funds will be available after the last dividend is posted at maturity.

Changing Certificate Type

To change from one type to another will require a letter from the member within 45 days after maturity of the original certificate's maturity date.

Rate Builder Certificates

  1. Mimimum Monthly Contribution $100 adults $5.00 child
  2. Rate will increase by .033% each month for 3 years if minimum deposit is made
  3. In 3 yrs it will top out at 2.50% and will remain at 2.50% for next 2 years. Certificate matures in 5 yrs.


  1. If funds are withdrawn and not put back before the end of the month + minimum deposit, rate will revert back to 1.30% and in increment progression starts over
  2. If a deposit is not made but no money is withdrawn the rate stays the same



Regular Share Accounts must maintain a minimum balance of $25.00. Children under 18 are excluded unless they have a debit card, then they must maintain a minumun balance of $25.00.

Inactive Accounts:

Any required membership account such as Type #1 & #15 MUST have at least 1 transaction within a 12 month period to avoid an inactivity monthly fee. An account will be considered abandoned after 5 years without activity.

Closed Accounts:

If an account is closed prior to the close of the period, no accrued dividends will be paid.

Accrual of Dividends:

Dividends will begin to accrue on the same business day the deposit was received.

Declaring of Dividends:

The Board of Directors declares a Dividend Rate at the end of each month based on market rates, current income of the Credit Union and etc. Due to the process, the Credit Union can only declare in advance the last rate paid and the effective date of payment. Your Quarterly Account Statements will inform you of the rates paid monthly and the APY as a result of compounding of the dividends to your account.

Rate Information:

The Annual Percentage Yield (APY) is a percentage that reflects the total amount of dividends to be paid on your account based on the Dividend Rate and the frequency of compounding for an annual period. APY will be affected by withdrawls from the account, changes in the rate, and deposits to the account. All APY figures are based on the premise that a certain dollar amount deposited into an account that remained there for one year without any changes and with the compounding of dividends paid to the account, the results would be that the YIELD is higher than the DIVIDED RATE.

Dividend Calculations & Payment:

At the end of each dividend period the accrual of dividends is made to each applicable account as set forth above in the Rate Schedule. The dividend period starts the first day of each month and ends on the last day of the month. Your accounts earn a dividend based on the balance in your account at the end of each day and paid to your account on the first day of the following month.

Hold on Deposited Checks:

There may be a hold put on checks deposited into an account for a number of reasons. See our Funds Availability Policy for details.

Fee Schedule

$2.50 Inactive Acount fee
$20.00 Loan application fee
$2.00 Loan advance fee
$20.00 Foreign Items Deposited (i.e. BHP Div Cks)
$10.00 Late fee for delinquent loans over 45 days late
$9.00 Wire funds fee (To another financial institution)
$14.00 Western Union wire
$31.00 International wire
$1.00 ACH Orgigination (funds transfered to another)
$1.00 Check for third party payment fee
$20.00 Insufficient check fee
$5.00 Cash from Credit Card
$20.00 Insufficient ACH fee

$3.00 Returned Statement fee
$3.00 Research fee (look up old checks or statements)
$2.50 Fax for 1st page-$0.50 second page and after
$0.10 Copies
$0.98 Overage Fee 6 or more tranfers from shares to debit card per month
Debit Card Fees
$12.00 Annual fee-ATM/Debit card program charged when card is initialized and on Jan. 1st
$5.00 Card replacement fee
$5.00 Pin replacement fee
$25.00 Share Balance required to open a Debit Card Account