Deposit Account Rates
Rates effective as of 11/1/2011
| Checking | Dividend Rate | APY* | Minimum Balance Required |
|---|---|---|---|
| Reward Checking* | 2.52% | 2.55% | $0 |
*APY = Annual Percentage Yield. Monthly Dividends. 2.55% Annual Percentage Yield (APY) paid on balances between one penny and $35,000, and 0.30% APY paid on all amounts above $35,000 each month the minimum requirements are met. If you do not meet the requirements per month, your account will still function as a free checking account earning 0.15% APY; however, it will not receive ATM refunds for that time period. Rates effective 11/01/2011. We may change the interest rate and APY at any time after the account is opened. No minimum balance required. Available to personal accounts only. No monthly service charge. Requirements for the 2.55% interest rate each qualification monthly cycle include: 1) have at least ten debit card purchase transactions post and clear, 2) have a minimum of one direct deposit or electronic withdrawal post and clear, 3) receive statement electronically, and 4) use online banking.
| Savings | Dividend Rate | APY* | Balance Required |
|---|---|---|---|
| Vacation Club and Christmas Club | 0.25% | 0.25% | $300.00 Daily Average Balance |
| Certificate Builder | 0.50% | 0.50% | $25.00 Minimum Balance |
*APY = Annual Percentage Yield. Quarterly dividends.
| Money Manager Balance | Dividend Rate | APY* |
|---|---|---|
| $1,000 - $9,999 | 0.1499% | 0.10% |
| $10,000 - $24,999 | 0.34944% | 0.30% |
| $25,000 - $49,999 | 0.349886% | 0.45% |
| Over $50,000 | 0.59836% | 0.55% |
*APY = Annual Percentage Yield. Monthly Dividends.
| Share Certificate Term | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| 6 Month | $1,000 | 0.45% | 0.45% |
| 7 Month | $1,000 | 0.45% | 0.45% |
| 12 Month | $500 | 0.60% | 0.60% |
| 15 Month | $1,000 | 0.60% | 0.60% |
| 24 Month | $1,000 | 1.00% | 1.00% |
| 24 Month with monthly dividend transfer | $1,000 | 1.00% | 1.00% |
| 36 Month | $1,000 | 1.19% | 1.20% |
| Rate Bonus (Active Accounts) | ADD | ||
|---|---|---|---|
| Checking Account | 0.10% | ||
| Full Direct Deposit | 0.10% | ||
| SECU Credit Card | 0.10% | ||
| Consumer Loan | 0.10% | ||
| Mortgage | 0.10% |
*APY = Annual Percentage Yield. Quarterly Dividends.
| Individual Retirement Accounts | Dividend Rate | APY* |
|---|---|---|
| Traditional | 0.70% | 0.70% |
| Roth | 0.70% | 0.70% |
| Education | 0.70% | 0.70% |
*APY = Annual Percentage Yield. Quarterly Dividends.
