Savings and Checking

Effective as of 10/1/20171

APY*

Regular Savings

0.10%​

Regular Checking

$300 minimum to earn rate.

0.05%​

Holiday Savings

$10 minimum to earn rate.

0.25%​

IRA (Traditional, Roth & Rollover)

$10 minimum to open; no minimum to earn rate.

0.50%​

Coverdell Educational Savings (formerly Education IRA)

$10 minimum to open; no minimum to earn rate.

0.50%​

Money Market Savings - $50,000 minimum to earn rate

$2,500 minimum balance to open; $10 monthly fee for Average Daily Balance below $2,500.

0.25%​

Money Market Savings - $100,000 minimum to earn rate

$2,500 minimum balance to open; $10 monthly fee for Average Daily Balance below $2,500.

0.35%​

Second Savings

$10 minimum to open; no minimum to earn rate.

0.10%​

KalaRewards Checking

Effective as of 10/1/20171

APY*

Balances Up to $50,000 w/ HELOC

No minimum to earn rate; $10,000 minimum HELOC balance for highest rate; monthly requirements**: electronic statement, 10 check card transactions & 1 direct deposit / ACH.

0.50%​

Balances Up to $50,000 w/o HELOC

No minimum to earn rate; $10,000 minimum HELOC balance for highest rate; monthly requirements**: electronic statement, 10 check card transactions & 1 direct deposit / ACH.

0.25%​

Balances Over $50,000

No minimum to earn rate; $10,000 minimum HELOC balance for highest rate; monthly requirements**: electronic statement, 10 check card transactions & 1 direct deposit / ACH.

0.05%​

Monthly Requirements Not Met

No minimum to earn rate; $10,000 minimum HELOC balance for highest rate; monthly requirements**: electronic statement, 10 check card transactions & 1 direct deposit / ACH.

0.05%​

Certificates

Earn more money by investing a lump sum for a select period of time.

Effective as of 10/1/20171

APY*

6 Months Certificate

$1,000 minimum & early withdrawal penalty may be imposed.

0.50%​

12 Months Certificate

$1,000 minimum & early withdrawal penalty may be imposed.

0.60%​

18 Months Certificate

$1,000 minimum & early withdrawal penalty may be imposed.

0.60%​

24 Months Certificate

$1,000 minimum & early withdrawal penalty may be imposed.

0.75%​

36 Months Certificate

$1,000 minimum & early withdrawal penalty may be imposed.

1.00%​

48 Months Certificate

$1,000 minimum & early withdrawal penalty may be imposed.

1.15%​

60 Months Certificate

$1,000 minimum & early withdrawal penalty may be imposed.

1.25%​

Personal Fee Schedule

The rates, fees, and forms applicable to your account at the Credit Union are provided in this Rate & Fee Schedule. The Credit Union may offer other rates for those accounts from time to time.

ACCOUNT RATES DISCLOSURE:

[1] All rates & offers are effective as shown above unless noted, subject to change & other restrictions may apply.
[Personal Account] Membership ($5 in a regular savings) required. Contact an employee for more information about applicable fees & terms.
*Accounts quoted as Annual Percentage Yield (APY) & require $5 minimum balance to earn rate unless noted.