APY*
Savings and Checking
Effective as of 9/1/20181
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 9/1/20181
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 9/1/20181
APY*
6 Months Certificate
$1,000 minimum & early withdrawal penalty may be imposed.
0.70%
12 Months Certificate
$1,000 minimum & early withdrawal penalty may be imposed.
0.80%
18 Months Certificate
$1,000 minimum & early withdrawal penalty may be imposed.
0.80%
24 Months Certificate
$1,000 minimum & early withdrawal penalty may be imposed.
0.90%
36 Months Certificate
$1,000 minimum & early withdrawal penalty may be imposed.
1.10%
48 Months Certificate
$1,000 minimum & early withdrawal penalty may be imposed.
1.20%
60 Months Certificate
$1,000 minimum & early withdrawal penalty may be imposed.
1.35%
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.