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Current Dividend Rates
The Board of Directors declared the following dividend rates effective February 1st through February 29th, 2012
Click here for up-to-date Savings Rate Comparison.
| Savings Accounts | |||
Account |
Minimum to Open |
APY* | Rate |
| Primary Savings Balance up to $10,0001 Balance $10,0012 + |
$25 $25 |
.25% .35% |
.25% .35% |
| Holiday Club Account | $25 | .70% | .70% |
| IRA Account | $25 | .71% | .70% |
| Checking Accounts | |||
Account |
Minimum to Open |
APY* | Rate |
| Checking Balance $100+ |
$0.00 |
.15% | .15% |
| Certificate Accounts | |||
Account |
Minimum to Open |
APY* | Rate |
| 3-Month - Fixed | $100 | .35% | .35% |
| 6-Month - Fixed | $500 | .50% | .50% |
| 1-Year - Fixed or Variable | $500 | .73% | .72% |
| 18-Month IRA - Fixed or Variable | $2,000 | .96% | .95% |
| 2-Year - Fixed or Variable | $1,000 | 1.03% | 1.02% |
| 3-Year - Fixed or Variable | $2,000 | 1.44% | 1.43% |
| 5-Year - Fixed or Variable | $5,000 | 1.99% | 1.97% |
| Fixed-Term Annuity Share Certificate | |||
Account |
Minimum to Open |
APY* | Rate |
| 5, 10, 15 or 20 Year | $10,000 | 2.75% | 2.75% |
*Annual Percentage Yield
**Minimum balance required for dividend.
***Any Certificate Account can be opened as an IRA. There may be penalties assessed for early withdrawal. Fees may reduce earnings.
¹If your daily balance is $9,999.99 or less, the interest rate paid on the entire balance in your account will be .25% with annual percentage yield (APY) of .25%.
²If your daily balance is $10,000.00 or more, the interest rate paid on the entire balance in your account will be .35% with annual percentage yield (APY) of .35%.
Variable Rate Certificates:
When Dividend Rates Change: The dividend rate for certificates may change on the first day of the month. The amount will be added to the original balance and the sum will be subject to the dividend rate then in effect for certificates.
Index: Adjustments in the dividend rate will be based on the Federal Home Loan Bank’s 11th District Cost of Funds. Call (415) 616-2600 for Current Rate.
How Dividend Rates Change: Before each Change Date, the current index amount will be determined and a margin established by the Board of Directors of this Credit Union, will be deducted. This is the new dividend rate and is effective on the first day of the month. This rate will apply to the balance of your account.
