IRA and Certificate Rates
| Terms | Calculated | Interest Paid |
| 3-6 month terms | daily | at maturity |
| 1-3 year terms | daily | quarterly |
| 5-7 year terms | daily | monthly |
Rates as of 03/05/10:
| Term | Rate | APY* | Minimums |
| 3 Month CD | 0.200% | 0.200% | $1,000 |
| 0.300% | 0.300% | $10,000 | |
| 0.549% | 0.550% | $50,000 | |
| 0.648% | 0.650% | $100,000 | |
| 6 Month CD | 0.300% | 0.300% | $1,000 |
| 0.400% | 0.400% | $10,000 | |
| 0.649% | 0.650% | $50,000 | |
| 0.749% | 0.750% | $100,000 | |
| 1 Year CD and IRA | 0.549% | 0.550% | $1,000 |
| 0.748% | 0.750% | $10,000 | |
| 0.847% | 0.850% | $50,000 | |
| 0.996% | 1.000% | $100,000 | |
| 2 Year CD and IRA | 1.145% | 1.150% | $1,000 |
| 1.343% | 1.350% | $10,000 | |
| 1.492% | 1.500% | $50,000 | |
| 1.640% | 1.650% | $100,000 | |
| 3 Year CD and IRA | 1.837% | 1.850% | $1,000 |
| 1.985% | 2.000% | $10,000 | |
| 2.182% | 2.200% | $50,000 | |
| 2.330% | 2.350% | $100,000 | |
| 5 Year CD and IRA | 2.716% | 2.750% | $1,000 |
| 2.960% | 3.000% | $10,000 | |
| 3.203% | 3.250% | $50,000 | |
| 3.348% | 3.400% | $100,000 | |
| 7 Year CD and IRA | 2.862% | 2.900% | $1,000 |
| 3.057% | 3.100% | $10,000 | |
| 3.300% | 3.350% | $50,000 | |
| 3.494% | 3.550% | $100,000 |
* Rates are set by the Credit Union Board of Directors and subject to change at any time. APY = Annual Percentage Yield. APY means a percentage rate reflecting the total amount of dividends/interest paid on an account based on the dividends/interest rate and the frequency of compounding for a 365 day period. Certificates and IRAs rates are fixed for the term of the instrument, unless otherwise disclosed. Certificate of Deposit penalties for early withdrawal are the greater of $100 or; 45 days interest on term of 3 months; 90 days interest on terms of 6 months to 3 years; and 365 days interest on terms of 5 to 7 years. IRA penalties for early withdrawal are the greater of $100 or; 180 days interest on terms of 1 to 3 years; and 365 days interest on terms of 5 to 7 years. This is in addition to any IRS penalties. There is a 10 day grace period at Certificate of Deposit maturity. For more information contact a Member Service Representative at 1.800.968.5626.
