APY*
Savings and Checking
Effective as of 9/1/20181
Regular Savings
0.10%
Regular Checking
$300 minimum to earn rate.
0.05%
Holiday Savings
$10 minimum to earn rate.
0.25%
IRA (Traditional, Roth & Rollover)
$10 minimum to open; no minimum to earn rate.
0.50%
Coverdell Educational Savings (formerly Education IRA)
$10 minimum to open; no minimum to earn rate.
0.50%
Money Market Savings - $50,000 minimum to earn rate
$2,500 minimum balance to open; $10 monthly fee for Average Daily Balance below $2,500.
0.25%
Money Market Savings - $100,000 minimum to earn rate
$2,500 minimum balance to open; $10 monthly fee for Average Daily Balance below $2,500.
0.35%
Second Savings
$10 minimum to open; no minimum to earn rate.
0.10%
KalaRewards Checking
Effective as of 9/1/20181
APY*
Balances Up to $50,000 w/ HELOC
No minimum to earn rate; $10,000 minimum HELOC balance for highest rate; monthly requirements**: electronic statement, 10 check card transactions & 1 direct deposit / ACH.
0.50%
Balances Up to $50,000 w/o HELOC
No minimum to earn rate; $10,000 minimum HELOC balance for highest rate; monthly requirements**: electronic statement, 10 check card transactions & 1 direct deposit / ACH.
0.25%
Balances Over $50,000
No minimum to earn rate; $10,000 minimum HELOC balance for highest rate; monthly requirements**: electronic statement, 10 check card transactions & 1 direct deposit / ACH.
0.05%
Monthly Requirements Not Met
No minimum to earn rate; $10,000 minimum HELOC balance for highest rate; monthly requirements**: electronic statement, 10 check card transactions & 1 direct deposit / ACH.
0.05%
Certificates
Earn more money by investing a lump sum for a select period of time.
Effective as of 9/1/20181
APY*
6 Months Certificate
$1,000 minimum & early withdrawal penalty may be imposed.
0.70%
12 Months Certificate
$1,000 minimum & early withdrawal penalty may be imposed.
0.80%
18 Months Certificate
$1,000 minimum & early withdrawal penalty may be imposed.
0.80%
24 Months Certificate
$1,000 minimum & early withdrawal penalty may be imposed.
0.90%
36 Months Certificate
$1,000 minimum & early withdrawal penalty may be imposed.
1.10%
48 Months Certificate
$1,000 minimum & early withdrawal penalty may be imposed.
1.20%
60 Months Certificate
$1,000 minimum & early withdrawal penalty may be imposed.
1.35%
Personal Fee Schedule
The rates, fees, and forms applicable to your account at the Credit Union are provided in this Rate & Fee Schedule. The Credit Union may offer other rates for those accounts from time to time.
85th anniversary cert
Boost your savings goals with our 85th anniversary Share Certificate specials and lock in a great rate for the future.
ACCOUNT RATES DISCLOSURE:
[1] All rates & offers are effective as shown above unless noted, subject to change & other restrictions may apply.
[Personal Account] Membership ($5 in a regular savings) required. Contact an employee for more information about applicable fees & terms.
*Accounts quoted as Annual Percentage Yield (APY) & require $5 minimum balance to earn rate unless noted.