Investment Rates
All rates quoted as Annual Percentage Yields (APYs) as of July 6, 2011. APYs are subject to change and are accurate as of publication date.
Certificates of Deposit |
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Minimum Deposit to Open |
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Account Term |
$2,000.00 |
$10,000.00 |
$25,000.00 |
$50,000.00 |
$99,000.00 |
6 Months |
0.10% |
0.10% |
0.10% |
0.10% |
0.10% |
12 Months |
0.20% |
0.20% |
0.20% |
0.20% |
0.20% |
18 Months |
0.70% |
0.70% |
0.70% |
0.70% |
0.70% |
24 Months |
0.95% |
0.95% |
0.95% |
0.95% |
0.95% |
24 Month Step Up* |
0.80% |
0.80% |
0.80% |
0.80% |
0.80% |
30 Months |
1.00% |
1.00% |
1.00% |
1.00% |
1.00% |
36 Months |
1.35% |
1.35% |
1.35% |
1.35% |
1.35% |
36 Month Step Up* |
1.20% |
1.20% |
1.20% |
1.20% |
1.20% |
42 Months |
1.60% |
1.60% |
1.60% |
1.60% |
1.60% |
48 Months |
1.75% |
1.75% |
1.75% |
1.75% |
1.75% |
48 Month Step Up* |
1.45% |
1.30% |
1.40% |
1.50% |
1.60% |
54 Months |
1.80% |
1.80% |
1.80% |
1.80% |
1.80% |
60 Months |
1.85% |
1.85% |
1.85% |
1.85% |
1.85% |
60 Month Step Up** |
1.15% |
1.15% |
1.15% |
1.15% |
1.15% |
* You are allowed to take one step up during the life of a 24, 36, or 48 month Step Up CD.
** You are allowed to take two steps up during the life of a 60 month Step Up CD.
A penalty may be imposed for early withdrawals.
Individual Retirement Accounts |
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Type of Account |
Term |
Annual Percentage Yield |
Minimum Deposit to Open |
|
IRA Accumulator |
Monthly |
0.20% |
$50.00 |
|
A minimum deposit of $50.00 is required to open an IRA Accumulator account. Rates change monthly and interest is paid monthly.
Individual Retirement Accounts—Certificates |
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Minimum Deposit to Open |
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Account Term |
$500.00 |
$2,000.00 |
$10.000.00 |
$25,000.00 |
$50,000.00 |
$99,000.00 |
6 Months |
0.10% |
0.10% |
0.10% |
0.10% |
0.10% |
0.10% |
12 Months |
0.20% |
0.20% |
0.20% |
0.20% |
0.20% |
0.20% |
24 Months |
1.10% |
1.10% |
1.10% |
1.10% |
1.10% |
1.10% |
30 Months |
1.00% |
1.00% |
1.00% |
1.00% |
1.00% |
1.00% |
36 Months |
1.50% |
1.50% |
1.50% |
1.50% |
1.50% |
1.50% |
48 Months |
1.80% |
1.80% |
1.80% |
1.80% |
1.80% |
1.80% |
60 Months |
1.90% |
1.90% |
1.90% |
1.90% |
1.90% |
1.90% |
60 Month IRA Step Up** |
1.20% |
1.20% |
1.20% |
1.20% |
1.20% |
1.20% |
With a $2,000 investment, Roth and Traditional term IRAs are available for terms from 6 to 60 months.
For a $500 investment, members may purchase an Educational term IRA.
A penalty may be imposed for early withdrawals.
** You are allowed to take two steps up during the life of a 60 month Step Up IRA.
Money Market Accounts |
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Average Daily Balance |
Annual Percentage Yield |
|
Up to $1,999.99 |
0.15% |
|
$2,000.00 - $10,000.00 |
0.15% |
|
$10,000.01 - $20,000.00 |
0.15% |
|
$20,000.01 - $40,000.000 |
0.15% |
|
$40,000.01 & Over |
0.15% |
|
Money Market accounts require a minimum deposit of $2000.00 to open. APYs are determined weekly. Interest is posted weekly. Fees may reduce earnings.
Premium Money Market Accounts |
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Average Daily Balance |
Annual Percentage Yield |
|
Up to $24,999.99 |
0.15% |
|
$25,000.00 & Over |
0.20% |
|
Premium Money Market accounts require a minimum deposit of $25,000.00 to open. APYs are determined monthly. Interest is posted monthly. Fees may reduce earnings.
Mega Money Market Accounts |
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Average Daily Balance |
Annual Percentage Yield |
|
$150,000 to $249,999.99 |
0.20% |
|
$250,000 & Over |
0.20% |
|
Mega Money Market accounts require a minimum deposit of $150,000.00 to open. APYs are
determined monthly. Interest is posted monthly.
Please contact a Member Service Officer for further information about applicable fees, rates, and terms at 972-263-9497.
Equal Housing Lender | This credit union is federally insured by the