Welcome to Credit Union 1
    
Welcome to Credit Union 1
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8:30 a.m. to 5 p.m. Mon-Thu
8:30 a.m. to 6 p.m. Fri
8:30 a.m. to Noon Sat
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Savings Rates

Click here for a printable version of our share rate sheet.

Rates as of December 12, 2018

DIVIDEND CHECKING ACCOUNTS
Type Minimum to Open Minimum for Dividends APY1 APR
Student Express Checking $25 or $500 Direct Deposit Does not earn dividends n/a n/a
Express Checking $25 or $500 Direct Deposit Does not earn dividends n/a n/a
Express Plus Checking $500 $.01 0.10% 0.100%
Express Premium Plus Checking $500 and aggregate relationship with CU1 of $50,000 $.01 0.10% 0.100%

1APY= Annual Percentage Yield. Dividends are calculated using Average Daily Balance and are paid and compounded monthly. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.

SAVINGS ACCOUNTS
APY1 APR Minimum
0.150% 0.150% $5.00

1APY= Annual Percentage Yield. $5 Minimum Balance to open a Primary Savings and earn dividends. Must have at least $0.01 on deposit to earn dividends in Secondary Savings. Dividends calculated using Daily Balance and are paid and compounded monthly. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.


SHARE/CERTIFICATE
$1,000 Certificate $10,000 Certificate Plus Penalty*
Term Yield Rate Yield Rate
6 months 0.90% 0.896% 0.95% 0.946% 90 Days
12 months 1.30% 1.292% 1.40% 1.391% 90 Days
24 months 1.90% 1.884% 2.00% 1.982% 180 days
36 months 2.35% 2.325% 2.45% 2.423% 270 days
48 months 2.85% 2.813% 2.95% 2.911% 270 days
60 months 3.20% 3.154% 3.30% 3.251% 270 days

Dividends calculated using Daily Balance and are paid and compounded monthly. Share Certificate has a $1,000 Minimum Balance requirement to open and earn dividends. Share Certificate Plus has a $10,000 Minimum Balance requirement to open and earn dividends. *We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce the earnings on the account. APY= Annual Percentage Yield. The APY is accurate as of the last dividend declaration date.


IRA CERTIFICATES (Traditional, Roth or Educational)
$1,000 IRA Certificate $10,000 IRA Certificate Plus Penalty*
Term Yield Rate Yield Rate
6 months 1.05% 1.045% 1.15% 1.144% 90 days
12 months 1.45% 1.440% 1.65% 1.638% 90 days
24 months 2.10% 2.080% 2.20% 2.178% 180 days
36 months 2.55% 2.521% 2.65% 2.618% 270 days
48 months 3.05% 3.008% 3.15% 3.105% 270 days
60 months 3.35% 3.300% 3.40% 3.348% 270 days

Dividends calculated using Daily Balance and are paid and compounded monthly. IRA Certificate has a $1,000 Minimum Balance requirement to open and earn dividends. The IRA Certificate Plus has a $10,000 Minimum Balance requirement to open and earn dividends. *We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce the earnings on the account. APY= Annual Percentage Yield. The APY is accurate as of the last dividend declaration date.


SAVINGS IRA ACCOUNTS
APY1 APR Minimum
SAVINGS IRA 0.150% 0.150% NONE
SAVINGS ROTH IRA 0.150% 0.150% NONE
SAVINGS EDUCATION IRA 0.150% 0.150% NONE

1APY= Annual Percentage Yield. Must have at least $0.01 on deposit to earn dividends. Dividends are calculated using Daily Balance and are paid and compounded monthly. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.


MONEY MARKET DEPOSIT ACCOUNTS
Minimum to Open Minimum for Dividends APY1 APR
$2,500 $2,500 0.85% 0.847%
$2,500 $10,000 0.90% 0.896%
$2,500 $25,000 0.95% 0.946%
$2,500 $50,000 1.00% 0.995%

1 APY= Annual Percentage Yield. Dividends calculated using Daily Balance and are paid and compounded monthly. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.




*required to open account, obtain the APY and to avoid any penalties and or fees applicable to the account. Share and IRA Certificate dividends are computed and paid on the actual amount in the account and deposited to the certificate at month end, and on the anniversary date. Savings, Checking and Money Market, and Savings IRA dividends are calculated daily, paid and compounded monthly. Savings, and Money Market dividend rates are based on credit union earnings and are declared at the end of the dividend period (monthly or quarterly). Rates are subject to change without notice.

**ALONG WITH THE ABOVE STATED PENALTY HEALTH SAVINGS ACCOUNTS AND INDIVIDUAL RETIREMENT ACCOUNT CERTIFICATES AND SAVINGS ARE SUBJECT TO FEDERAL WITHDRAWAL RULES.


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