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Rates

Share Rates

All rates below are effective April 1, 2019

Account

Rate

APY

Main Shares (Minimum Balance $1,000.00) 0.08% 0.08%
HSA Checking Accounts 0.20% 0.20%
Free Checking 0% 0%
Perks Checking 0% 0%
Perks Plus Checking (Minimum Balance $2,500.00) 0.50% 0.50%
Christmas Club (Minimum Balance $1,000.00) 0.08% 0.08%
Vacation Club (Minimum Balance $1,000.00) 0.08% 0.08%
VISA Savings (Minimum Balance $1,000.00) 0.08% 0.08%
Blue Ribbon Savings (Minimum Balance $2,500.00) 0.10% 0.10%
Blue Ribbon Checking (Minimum Balance $2,500.00) 0.10% 0.10%
Gold Checking (Minimum Balance $25,000.00) 0.20% 0.20%

Money Market Accounts

All rates below are effective April 1, 2019

Account

Rate

APY

Money Market Tier 1 $5,000 0.20% 0.20%
Money Market Tier 2 $10,000 0.40% 0.40%
Money Market Tier 3 $25,000 0.60% 0.60%
Money Market Tier 4 $50,000 0.80% 0.80%
Money Market Tier 5 $100,000 1.00% 1.00%

Share Certificates of Deposits

All rates below are effective October 18, 2019

Account

Rate

APY

Years Ahead Rate/Yield

Jumbo ($50,000+) Rate/Yield

Years Ahead with Jumbo Rate/Yield

6 Months 1.40% 1.41% 1.50% / 1.51% 1.50% / 1.51% 1.60% / 1.61%
12 Months 1.65% 1.66% 1.75% / 1.76% 1.75% / 1.76% 1.85% / 1.87%
24 Months 2.05% 2.07% 2.15% / 2.17% 2.15% / 2.17% 2.25% / 2.27%
36 Months 2.15% 2.17% 2.25% - 2.27% 2.25% / 2.27% 2.35% / 2.37%
48 Months 2.25% 2.27% 2.35% - 2.37% 2.35% - 2.37% 2.45% / 2.47%
60 Months 2.35% 2.37% 2.45% - 2.47% 2.45% - 2.47% 2.55% / 2.58%

Years Ahead Members earn a Premium Rate on any Share Certificate. A Premium is also paid on Jumbo Share Certificates ($50,000.00 or more). There is a $500.00 minimum deposit. We also offer IRA Certificates, both Roth & Traditional, with the same premiums offered on our regular Share Certificates.

For more information, please call 937-558-9070.

  • A penalty of 90 Days Interest will be imposed for early withdrawal for Certificates 12 months or less.
  • A penalty of 365 Days Interest will be imposed for early withdrawal for Certificates 24 months or greater.
  • Each account insured up to $250,000.00 by the National Credit Union Administration.

Individual Retirement Accounts (IRAs)

All rates below are effective October 18, 2019

Account

Rate

APY

Years Ahead Rate/Yield

Jumbo ($50,000+) Rate/Yield

Years Ahead with Jumbo Rate/Yield

12 Months 1.65% 1.66% 1.75% / 1.76% 1.75% / 1.76% 1.85% / 1.87%
24 Months 2.05% 2.07% 2.15% / 2.17% 2.15% / 2.17% 2.25% / 2.27%
36 Months 2.15% 2.17% 2.25% - 2.27% 2.25% / 2.27% 2.35% / 2.37%
48 Months 2.25% 2.27% 2.35% - 2.37% 2.35% - 2.37% 2.45% / 2.47%
60 Months 2.35% 2.37% 2.45% - 2.47% 2.45% - 2.47% 2.55% / 2.58%

To make an appointment call Carlos Bucio or Michelle Proctor at 937-558-9070.