Savings Rates
| Regular and IRA Share Certificate Rates |
| Effective Date: Saturday, December 21st, 2024 |
| $500 Minimum |
| Term | APR* | APY** |
| 3 Months |
1.10% |
1.10% |
| 6 Months |
1.25% |
1.25% |
| 9 Month Special*** |
4.90% |
5.01% |
| 12 Months |
1.40% |
1.40% |
| 18 Months |
1.50% |
1.50% |
| 24 Months |
1.75% |
1.75% |
| 36 Months |
2.00% |
2.00% |
| 48 Months |
2.25% |
2.25% |
| 60 Months |
2.50% |
2.50% |
| * APR = Annual Percentage Rate. |
| **APY = Annual Percentage Yield. |
| ***Automatically renews into a 6-month certificate upon maturity. For a limited time only. |
| Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change. |
| Simple Saver Share Certificate |
| Effective Date: Saturday, December 21st, 2024 |
| $50 Minimum - Can Deposit Additional Money Anytime |
| Term | APR* | APY** |
| 12 Months |
0.50% |
0.50% |
| *APR = Annual Percentage Rate. |
| **APY = Annual Percentage Yield. |
| Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change. |
*APY = Annual Percentage Yield.
The rates quoted above are accurate and effective for the above accounts as of the effective date indicated and are subject to change. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, interest will be credited to your account and compounded every month. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. All share certificates are non-transferrable. If you have any questions or need current rate information on your accounts, please call 573-581-8651.
| Share Savings Accounts |
| Effective Date: Saturday, December 21st, 2024 |
| There is a $1.00 share requirement for each member number that will be held in your regular share account for as long as the account is open. |
| Product | Last Declared Dividend Rate | APY* |
| Regular Shares, Special Shares, Christmas Club and IRA Shares |
0.25% |
0.25% |
| *APY = Annual Percentage Yield. |
| Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change. |
| Money Market Accounts |
| Effective Date: Saturday, December 21st, 2024 |
| Includes Regular and IRA |
| Average Daily Balance | Dividend Rate | APY* |
| $0 - $2,499.99 |
0.00% |
0.00% |
| $2,500 - $9,999.99 |
0.25% |
0.25% |
| $10,000 - $19,999.99 |
0.30% |
0.30% |
| $20,000 - $49,999.99 |
0.35% |
0.35% |
| $50,000 and over |
0.45% |
0.45% |
| *APY = Annual Percentage Yield. |
| Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change. |
| Checking Accounts |
| Effective Date: Saturday, December 21st, 2024 |
| Average Daily Balance | Dividend Rate | APY* |
| Reward Checking |
| $0 - $25,000 |
0.60% |
0.60% |
| Over $25,000 |
0.25% |
0.25% |
| Requirements Not Met |
0.10% |
0.10% |
| Initial deposit of $50 required to open Reward Checking. No minimum balance required to maintain. |
| *APY = Annual Percentage Yield. |
| Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change. |
This rate schedule states rates applicable to specified accounts. Dividends are credited to your account and compounded quarterly. (Money Market interest is credited monthly) This schedule is incorporated as a part of your account agreement with your Credit Union. *Minimum balance requirements apply to average daily balance (amount of principal in account each day). Fees or other conditions could reduce the earnings on the account.
**All savings and checking rates are variable, this means the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.
