Interest Rates for IRAs & Other Accounts

Personal Accounts

Rates effective as of October 18, 2018.

Type

Dividend Rate

APY*

High Yield Checking2

$0 - $15,000; Dividends Post Monthly 3.93% 4.00%
Over $15,000; Dividends Post Monthly 0.35% 4.00% to 0.35%
    

High Yield Savings2

$0 - $15,000; Dividends Post Monthly 1.00% 1.00%
Over $15,000; Dividends Post Monthly 0.35% 1.00% to 0.44%
    

Traditional Savings1

     
Dividends Post Quarterly 0.10% 0.10%
    

Youth Savings1

Dividends Post Monthly 0.50% 0.50%
    

Christmas Club

Dividends Post October 31 0.35% 0.35%
    

Money Market1

$0 - $1,999; Dividends Post Monthly 0.30% 0.30%
$2,000 - $19,999; Dividends Post Monthly 1.00% 1.00%
$20,000 - $74,999; Dividends Post Monthly 1.09% 1.10%
Over $75,000; Dividends Post Monthly 1.19% 1.20%
    

Certificates3

3 Month Certificate (91 days)

$200 Minimum; Dividends Post Quarterly

1.00%

1.00%

6 Month Certificate (182 days)

$200 Minimum; Dividends Post Quarterly

1.59%

1.60%

12 Month Certificate (365 days)

$200 Minimum; Dividends Post Quarterly

1.88%

1.90%

18 Month Certificate (547 days)

$200 Minimum; Dividends Post Quarterly

2.08%

2.10%

24 Month Certificate (730 days)

$200 Minimum; Dividends Post Quarterly

2.28%

2.30%

36 Month Certificate (1095 days)

$200 Minimum; Dividends Post Quarterly

2.47%

2.50%

48 Month Certificate (1460 days)

$200 Minimum; Dividends Post Quarterly

2.72%

2.75%

60 Month Certificate (1825 days)

$200 Minimum; Dividends Post Quarterly

2.96%

3.00%

CU Grow Certificate

$100 Minimum; Dividends Post Quarterly

2.97%

3.00%

CU Learn Certificate

$100 Minimum; Dividends Post Quarterly

3.94%

4.00%

CU Prosper Certificate

$100 Minimum; Dividends Post Quarterly

4.91%

5.00%

    

*APY = Annual Percentage Yield

¹The dividend rates and APY are subject to change without notice.  Variable account rates may change after the account is opened.  Savings account earnings could be reduced if fees are added.

²APY applied to balances of tiers as long as qualifications are met each statement cycle.  0.05% APY applies to all balances if qualifications are not met.  Available to personal accounts only.

³The dividend rate and annual percentage yield are subject to change, without notice, at any time prior to the issuance of the certificate.  After the point of issuance, dividend rates and APY are fixed.  Early withdrawal penalties apply.  IRA earnings could be reduced if fees are added.