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Deposit Rates 

Earnings could be reduced by fees, if applicable.
APY = Annual Percentage Yield.
Please contact a Financial Service Representative at 989-773-5927 with questions.
 

- PROSPECTIVE DIVIDEND RATES -
The rates listed below are the current prospective quarterly dividend rates and are not guaranteed.
Rates are subject to change without notice.

 

Share (Savings) Rates
Effective Date: April 1, 2014
Account TypeAnnual Percentage Yield
Base Share Account (000) 0.10%

Dividends are paid on balances over $100, excluding youth accounts. $5 minimum balance required for membership.

Premium Share Account (004) 0.10%

$1,000 minimum balance to earn a dividend • Dividends compounded quarterly.

Christmas Club (017) 0.10%

Christmas Club balances are transfered on November 1st of each year.  $10 early withdrawal penalty fee.

Vacation Club (008) 0.10%

No minimum balance required for any club/sub account.  Dividends compounded quarterly.

Sub-Share Accounts (001-003) 0.10%

No minimum balance required for any club/sub account.  Dividends compounded quarterly

 

IRA Share Account [020]
Effective Date: April 1, 2014
Account TypeAnnual Percentage Yield

Individual Retirement Account (IRA) Share Account

0.10%

No minimum balance or minimum deposit requirement. Accounts insured to $250,000 by NCUA.

 - INTEREST RATES -
Interest rates are guaranteed for the specific term, based on the date of issue, if applicable.
Rates are subject to change without notice.

 

Insured Money Market Savings Account [009]
Effective Date: April 1, 2014
AmountAnnual Percentage Yield
$2,000 to $24,999 0.15%
$25,000 to $49,999 0.20%
$50,000 to $99,999 0.20%
$100,000 and up 0.25%

$2,000 minimum balance requirement. Limited to six automatic debits, no more than three by check per month. Rates are quoted as APY = Annual Percentage Yield, and are subject to change.

Certificates of Deposit & IRA CD's [300-399]
Effective Date: April 1, 2014
TermAnnual Percentage YieldAnnual Percentage Yield

                                                    $500 Minimum                          $10,000 Minimum

03 months 0.10% 0.10%
06 months 0.25% 0.25%
12 months 0.40% 0.40%
24 months 0.60% 0.60%
36 months 0.90% 0.90%
48 months 1.30% 1.30%
60 months 1.60% 1.60%

Minimum Certficiate of Deposit (DC) Balance: $500.  Interest is compounded monthly. Penalty for early withdrawal.

Note: Fees could reduce the earnings on accounts. For a complete list of potential fees associated with these accounts, click here. The dividend rates listed are the current prospective quarterly dividend rates and are not guaranteed. The interest rates listed are guaranteed for the specified term, based on the date of issue, if applicable. Rates are subject to change without notice.

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Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act