Savings Rates

Effective November 22, 2024

**Annual Percentage Yield (APY)

Savings Rates = Dividend Rate Schedule

Certificate (minimum deposit $1,000) Youth* Certificates (minimum deposit $500) Dividend Rate APY**
** 6 months PROMO** ** 9 months PROMO** 6 months** 9 months** 1.00%** 3.93%** 1.00%** 4.00%**
12 months 12 months 0.30% 0.30%
18 months 18 months 0.35% 0.35%
24 months 24 months 0.40% 0.40%
36 months 36 months 0.45% 0.45%
48 months 48 months 0.50% 0.50%
60 months 60 months 0.55% 0.55%
Membership Account Dividend Rate APY**
Minimum balance $5 0.05% 0.05%
Minimum APY balance $100 0.05% 0.05%
Youth Account* (14 years of age or less) Dividend Rate APY**
Minimum balance $5 0.05% 0.05%
Minimum APY balance $100 0.05% 0.05%

**PROMO rate and term valid on new funds deposits only. After 6/9 months term, auto renewal for 12 months at current posted rate. ***After 27 months term, auto renewal for 36 months at current posted rate.  Minimum deposit of $1,000. Penalties for early withdrawal will apply. 

Certificates and Youth Certificates must remain on deposit until maturity to earn the advertised APY. The APY assumes dividends will remain on deposit until maturity. A withdrawal will reduce earnings. A substantial penalty will be imposed for early withdrawal of funds. No additional deposits are allowed during the certificate term. The APYs for Certificates and Youth Certificates are based on quarterly compounding with dividends credited quarterly.

Membership, Youth, Christmas Club, Money Market PLUS, ACCESS Checking and IMAGE 50 Checking are all variable rate accounts, with the dividend rates and APYs subject to change, at any time, as determined by the Credit Union's Board of Directors. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. The APYs for Membership, Youth, Christmas Club, Money Market PLUS, ACCESS Checking and IMAGE 50 Checking accounts are based on monthly compounding with dividends credited monthly.

Please contact our member service representatives for additional information and disclosures, (316) 264-9163 or (800) 264-9163.