Depository Accounts Rates

CHECKING RATES

SAVINGS RATES

MONEY MARKET RATES

CERTIFICATE OF DEPOSIT (CD) RATES

Share Draft Checking

Amount

APR (%)

APY (%)

All

.15%

Savings Accounts

Share Savings

Amount

APR (%)

APY (%)

Up to $10,000.00

.25%

$10,000.00 and Above

.35%

“E” Savings (Youth)

Amount

APR (%)

APY (%)

Up to $10,000.00

.35%

$10,000.00 and Above

.45%

Christmas Club

Christmas Club accounts are an easy way to save for those holiday and vacation expenses that you know will come up. Funds can easily be deposited into your desired account through payroll deduction or direct deposit.

Christmas Club dividends are declared and paid on October 1st of each year.

Amount

APR (%)

APY (%)

All

.40%

All rates subject to change. APY = Annual Percentage Yield. Dividend rates are declared at the end of each quarter. Dividends are calculated by the daily balance method and paid quarterly. The APY is based on the minimum daily balance being maintained each day. Checking account dividends are declared and effective as of the first of the month and paid monthly. They are calculated on the average daily balance method. Christmas Club dividends are declared and paid on October 1 of each year. All accounts require a $5 minimum to open except Share Draft (checking) requires $25.

Money Market

A money market account is a savings account with a tiered rate schedule depending on your balance and pays dividends on a monthly basis instead of quarterly basis. You can also write checks on this account but checks are ordered at your cost. Money market accounts may offer higher interest rates than regular savings or checking accounts. ACU money market accounts have a $5,000 minimum balance requirement. ACU Money market accounts are insured by National Credit Union Administration.

Amount

APR (%)

APY (%)

Up to $10,000

.50%

$10,000 – $24,999.99

.80%

.50%

$25,000 – $74,999.99

1.24%

1.25%

$75,000 – $249,999.99

1.83%

1.85%

$250,000 and Above

2.08%

2.10%

All rates subject to change. APY = Annual Percentage Yield. $5 monthly service fee if balance is less than $5,000

Certificates of Deposit (CD) Rates

CDs – IRA & Regular

Months

APR (%)

APY (%)

3 Month

1.24%

1.25%

6 Month

3.93%

4.00%

9 Month

4.07%

4.15%

1 Year

3.21%

3.25%

2 Years

2.72%

2.75%

3 Year

2.72%

2.75%

4 Years

2.62%

2.65%

5 Years

2.77%

2.80%

Special CD Rates*

Months

APR (%)

APY (%)

10 Month

4.41%

4.50%

20 Month

3.94%

4.00%

IRA Shares

Months

APR (%)

APY (%)

Up to $500.00

0.00%

$500 – $2,499.99

0.50%

$2,500 and Above

0.75%

*Special CDs require $5,000 minimum deposit. 3-11 month products paid monthly, others paid quarterly.

All rates subject to change. APY = Annual Percentage Yield. Young Savers Certificates for members age 21 or younger, the minimum deposit is $300 instead of $1,000 on ACU’s regular certificates, all additional terms and conditions are the same.

Dividend rates on IRA shares are declared at the end of each quarter. Withdrawal from IRA Savings may result in IRS taxes and/or penalties.

Health Savings Account

Amount

APY)

Dividend Rate

$25 – $9,999.99

0.250%

0.25%

$10,000 and Above

0.40%

All rates subject to change. APY = Annual Percentage Yield.