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Rates

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Current Rates

Checking Accounts

1 APY = Annual Percentage Yield correct as of 6/5/15. Dividends are compounded and credited monthly. Rate is subject to change after account is opened.

Type Min. Deposit to Open Min. Balance to Earn APY1 APY / Dividend Rate
True Choice Checking $0 $0 0.00% / 0.00%
Premier Choice Checking $0 $250 0.05% / 0.05%

PayBack Savings Account

4 APY = Annual Percentage Yield correct as of 12/1/15. Dividends are compounded and credited monthly. Rate is subject to change without notice after account is opened. No minimum deposit to open. Must meet four out of six qualifications each dividend period to earn the PayBack rate. If qualifications are not met, the rate earned will be equal to current prime share and IRA share rate respectively. (1) Must have a personal checking account in good standing (checking account exclusions: Business Checking and HSA Checking). And use a debit card and/or credit card as signature-based transaction a minimum of 10 times per month. Debit and credit card transactions must post and clear the account in order to be counted in the current cycle. Debit and credit card transactions processed as PIN-based or at the ATM do not qualify. (2) Must log in to online banking or mobile banking at least once per month to be considered active. (3) Must have a monthly ACH direct deposit of at least $100. (4) Active consumer loans include auto loans, personal loans, home equity loans, or home equity lines of credit. Must have at least one transaction per month to be considered active. A transaction is defined as a payment, purchase, cash advance, or balance transfer. (5) Mortgages originated with Family Trust, whether serviced or sold will qualify. (6) Must have at least one transaction per month to be considered active. A transaction is defined as a payment, purchase, cash advance, or balance transfer.

Min. Deposit to Open Min. Balance Tiers APY4 / Dividend Rate
none $0 0.60% / 0.60%
none $20,000 1.00% / 1.00%
none $100,000 1.25% / 1.24%

Money Market Account

6 APY = Annual Percentage Yield correct as of 6/5/15. Dividends are compounded and credited monthly. Rate is subject to change after account is opened.

Min Deposit to Open Min. Balance Tiers APY6 / Dividend Rate
none $1,000 0.10% / 0.10%
none $20,000 0.10% / 0.10%
none $75,000 0.15% / 0.15%

Certificates

7 APY = Annual Percentage Yield correct as of 10/1/2016. Dividends are compounded and credited quarterly. Rate is subject to change after account is opened. Any withdrawal prior to maturity will reduce earnings. A penalty is imposed if certificate funds other than earned dividends are withdrawn before the maturity date.

Product Min. Deposit to Open Min. Balance $0 APY7 / Dividend Rate Min. Balance $20,000 APY / Dividend Rate Min. Balance $100,000 APY / Dividend Rate
Explorer’s Club Certificate $100 0.70% / 0.70% 0.75% / 0.75% 0.80% / 0.80%

8 APY = Annual Percentage Yield correct as of 7/1/2016. Dividends are compounded and credited quarterly. Rate is subject to change without notice. Any withdrawal prior to maturity will reduce earnings. A penalty is imposed if certificate funds other than earned dividends are withdrawn before the maturity date.

9 Bump Your Rate Certificate: Personal checking account required to open. New checking accounts must have direct deposit. Dividend rate may be changed to match any current comparable 36 month share certificate rate offered by the credit union twice during the term of the certificate.

Product Min. Deposit to Open Min. Balance Tiers, APY8 / Dividend Rate Min. Balance Tiers, APY / Dividend Rate Min. Balance Tiers, APY / Dividend Rate
Regular Term Certificate Minimum Deposit to Open $0 $20,000 $100,000
3 month $500 0.20% / 0.20% 0.25% / 0.25% 0.30% / 0.30%
6 Month $500 0.25% / 0.25% 0.30% / 0.30% 0.35% / 0.35%
9 months $500 0.25% / 0.25% 0.30% / 0.30% 0.35% / 0.35%
12 months $500 0.70% / 0.70% 0.75% / 0.75% 0.80% / 0.80%
24 months $500 1.10% / 1.10% 1.20% / 1.19% 1.30% / 1.29%
36 months9 $500 1.50% / 1.49% 1.55% / 1.54% 1.60% / 1.59%
48 months $500 1.80% / 1.79% 1.85% / 1.84% 1.90% / 1.89%
60 months $500 1.95% / 1.94% 2.00% / 1.99% 2.05% / 2.03%

Health Savings Account

5 APY = Annual Percentage Yield correct as of 6/5/15. Dividends are compounded and credited monthly. Rate is subject to change after account is opened.

Minimum Deposit to Open Minimum Balance Tiers APY5 / Dividend Rate
none $1,000 0.10% / 0.10%
none $20,000 0.10% / 0.10%
none $75,000 0.15% / 0.15%

Education Savings Account

3 APY = Annual Percentage Yield. Dividends compounded and credited quarterly.

Type Min. Deposit to Open Min. Balance to Earn APY3 APY / Dividend Rate
Education Savings $100 $0 0.10% / 0.10%

Retirement Accounts

10 APY = Annual Percentage Yield. Dividends compounded and credited quarterly.

Type Min. Deposit to Open Min. Balance to earn APY10 APY / Dividend Rate
IRA Savings Account (Traditional, Roth, and SEP) $5 $0 0.10% / 0.10%

Type Min. Deposit to Open Min. Balance Tiers, APY10 / Dividend Rate
Product $0 $20,000 $100,000
IRA PayBack Savings Account (Traditional) none 0.60% / 0.60% 1.00% / 1.00% 1.25% / 1.24%

Type Min. Deposit to Open Min. Balance Tiers, APY10 / Dividend Rate
IRA Money Market Account (Traditional and Roth) $1000 $20,000 $75,000
IRA Money Market Account (Traditional and Roth) none 0.10% / 0.10% 0.10% / 0.10% 0.15% / 0.15%

11 APY = Annual Percentage Yield. Dividends compounded and credited quarterly. Any withdrawal prior to maturity will reduce earnings. A penalty is imposed if certificate funds other than earned dividends are withdrawn before maturity date.

13 Bump Your Rate Certificate: Personal checking account required to open. New checking accounts must have direct deposit. Dividend rate may be changed to match any current comparable 36 month share certificate rate offered by the credit union twice during the term of the certificate.

Product Min. Deposit to Open Min. Balance Tiers, APY11 / Dividend Rate
Regular Term Traditional IRA Certificates $0 $20,000 $100,000
6 months $500 0.25% / 0.25% 0.30% / 0.30% 0.35% / 0.35%
12 months (Roth & SEP also available) $500 0.70% / 0.70% 0.75% / 0.75% 0.80% / 0.80%
24 months $500 1.10% / 1.10% 1.20% / 1.19% 1.30% / 1.29%
36 months13 $500 1.50% / 1.49% 1.55% / 1.54% 1.60% / 1.59%
48 months $500 1.80% / 1.79% 1.85% / 1.84% 1.90% / 1.89%
60 months $500 1.94% / 1.94% 2.00% / 1.99% 2.05% / 2.03%