Savings Rates

Type Minimum Balance Rate APY*
Share Savings $5.00*** 0.35% 0.35%
Students Savers** $0.00 1.35% 1.36%
WINcentive Savings $5.00*** 0.45% 0.45%
Money Market $0.00 - $1,999.99 N/A 0.00% 0.00%
Money Market - $2,000.00 - $9,999.99 $2000.00**** 0.60% 0.60%
Money Market - $10,000.00 - $24,999.99 $10,000.00**** 0.65% 0.65%
Money Market - $25,000.00 - $49,999.99 $25,000.00**** 0.70% 0.70%
Money Market - $50,000.00 - $99,999.99 $50,000.00**** 0.75% 0.75%
Money Market - $100,000.00 and higher $100,000.00**** 1.05% 1.05%
IRAs (Traditional, Roth, and Coverdell Education) N/A 1.75% 1.76%

Rates effective as of April 1, 2018 and can change at any time. Fees may reduce earnings. Rate and annual percentage yield may change after account opening. All savings accounts (except the Student Savers account) require ownership of at least one $5.00 share in the credit union to open the account.

*APY = Annual Percentage Yield.
**Subject to penalties for early withdrawal.
***Minimum balance provided is the minimum balance required to open account
****Minimum balance provided is the minimum balance required to earn APY

Checking Rates

Balance Rate APY*
Average Daily Balance Less Than $500.00 0.00% 0.00%
Average Daily Balance $500.00 or Above** 0.25% 0.25%

Rates effective as of April 1, 2018 and can change at any time. Fees may reduce earnings. Rate and annual percentage yield may change after account opening. All checking accounts require ownership of at least one $5.00 share in the credit union to open the account.

*APY = Annual Percentage Yield
**Average daily balance provided is the minimum average daily balance required to earn APY.

Certificate of Deposit Rates

Term Minimum Deposit** Rate APY*
3 Months $500.00 0.60% 0.60%
6 Months $500.00 0.80% 0.80%
9 Months $500.00 0.90% 0.90%
12 Months $500.00 1.20% 1.20%
18 Months $500.00 1.30% 1.30%
24 Months $500.00 1.45% 1.46%
36 Months $500.00 1.70% 1.71%
48 Months $500.00 2.10% 2.11%
60 Months $500.00 2.50% 2.52%
3 Months $50,000.00 0.70% 0.70%
6 Months $50,000.00 0.90% 0.90%
9 Months $50,000.00 1.00% 1.00%
12 Months $50,000.00 1.30% 1.30%
18 Months $50,000.00 1.40% 1.40%
24 Months $50,000.00 1.55% 1.56%
36 Months $50,000.00 1.80% 1.81%
48 Months $50,000.00 2.20% 2.21%
60 Months $50,000.00 2.60% 2.62%

Rates effective as of April, 1 2018 and can change at any time. Fees may reduce earnings. All certificate of deposits require ownership of at least one $5.00 share in the credit union to open the certificate of deposit.

*APY = Annual Percentage Yield.
**Minimum deposit provided is the minimum balance required to open account and earn APY.
Certificate of Deposit rates remain fixed for the term of the certificate. A penalty may be imposed for withdrawals before maturity on certificates of deposit.