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Routing Number: 322077795

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Deposit Account Rates

SAVINGS ACCOUNTS
Product Rate+ APY*
Membership Savings 0.30% 0.30%
Online Savings **
Minimum daily balance Up to $499.99 0.80% 0.80%
Minimum daily balance of $500+ 1.05% 1.06%
Lucky Savings NEW 0.30% 0.30%
Rainy Day Savings NEW
(Balances up to $2,000.00) 3.00% 3.04%
(Balances over $2,000.00) 0.30% 0.30%
My Account 0.50% 0.50%
Club Accounts 0.50% 0.50%
Tax Saver 0.55% 0.55%
Health Savings 0.50% 0.50%
Coverdell Education Savings 0.50% 0.50%
CHECKING ACCOUNTS
High Yield Checking
Product Rate+ APY*
(Balances up to $5,000.00)* 5.00% 5.12%
(Balances over $5,000.00) 0.25% 0.25%
    * 5% rate subject to qualifications. Otherwise 0.3% rate applies.
CERTIFICATES OF DEPOSIT
Term $1000 minimum $100,000 minimum
  APY* DDEPY APY* DDEPY
3 months† 0.50% 0.75% 0.65% 0.90%
6 months† 0.55% 0.80% 0.70% 0.95%
9 months† 0.70% 0.95% 0.85% 1.11%
12 months 0.80% 1.06% 0.95% 1.21%
18 months 0.85% 1.11% 1.00% 1.26%
24 months 1.00% 1.26% 1.16% 1.41%
30 months 1.06% 1.31% 1.21% 1.46%
36 months 1.11% 1.36% 1.26% 1.51%
48 months 1.26% 1.51% 1.41% 1.66%
60 months 1.41% 1.66% 1.56% 1.81%
  • Not available for IRA certificates
IRA Certificates
Term $1000 minimum $100,000 minimum
  APY+ DDEPY* APY+ DDEPY*
12 months 1.06% 1.31% 1.21% 1.46%
18 months 1.11% 1.36% 1.26% 1.51%
24 months 1.26% 1.51% 1.41% 1.66%
30 months 1.31% 1.56% 1.46% 1.71%
36 months 1.36% 1.61% 1.51% 1.76%
48 months 1.51% 1.76% 1.66% 1.92%
60 months 1.66% 1.92% 1.81% 2.07%
Compare our 12 month Certificate Rate!
Our APY* Our DDEPY Bank Of America
(Los Angeles, CA)
APY*
Chase
(Austin, TX)
APY*
Fifth Third
(Aurora, IL)
APY*
0.95% 1.21% 0.05% 0.02% 0.05%
    *APY = Annual Percentage Yield. Rates current as of 07/01/20 and subject to change. Rates are based on a minimum deposit of $1,000, except Fifth Third, which is based on a minimum deposit of $500. Rate survey taken from www.bankofamerica.comwww.chase.com and www.53.com.
IRA
Product Rate+ APY*
Variable Rate IRA 0.75% 0.75%
Money Market Accounts
    With Direct Deposit

Tiers

Rate+

APY*

Rate+

APY*

Up to $9,999.99

0.40%

0.40%

0.65%

0.65%

10,000 - $24,999.99   

0.50%

0.50%

0.75%

0.75%

$25,000 - $49,999.99 

0.60%

0.60%

0.85%

0.85%

$50,000 - $99,999.99

0.70%

0.70%

0.95%

0.95%

$100,000+

0.80%

0.80%

1.05%

1.06%


*APR = Annual Percentage Rate. APR is the annual rate of interest that is paid on an investment, without taking into account the compounding interest within that year. Rates current as of July 01, 2020. Rates are subject to change at anytime. *APY = Annual Percentage Yield. APY is the annualized rate based on a compounding period of one year. When the deposited money earns interest and the accumulated interest starts earning interest as well, we are talking about compounding. Fees could reduce the earnings on an account. Rates current as of March 5, 2020. All rates except certificate rates are subject to change retroactively to the beginning of the month, as determined at the monthly Board of Directors meeting. Certificate rates subject to change at any time and are subject to substantial penalties for early withdrawal. Extra bonus rates apply only to certificate accounts.
**Branch and call center access are not available with the Online Savings Account.
***The maximum bonus for Certificates of 0.50% is inclusive of any of the three promotional bonuses: 0.25% for DDEP, 0.01% for every year starting at age 61 up to 75 years (max of 0.15%), and deposits over $100,000 earn an additional 0.15%. After all bonuses have been applied, the combined total of extra basis points cannot exceed 0.50%. Rates and terms subject to change at any time.

Printable version
National Credit Union Administration

This Credit Union is federally insured by the National Credit Union Administration. This Credit Union is an Equal Housing Lender, we make loans without regard to race, color, religion, national origin, sex, handicap, or familial status.

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