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Savings Rates

Base Shares
Daily Balance Dividend Rate APY*
From $25.00 0.050% 0.050%

*Annual Percentage Yields (APY) and dividend rates are established monthly by the Credit Union’s Board of Directors. All dividends are compounded monthly. Dividend rates are variable and subject to change monthly after the account is opened. Rates are effective as of 12/12/2024.

Christmas Club
Daily Balance Dividend Rate APY*
From $25.00 0.050% 0.050% APY

* Annual Percentage Yields (APY) and dividend rates are established monthly by the Credit Union’s Board of Directors. All dividends are compounded monthly. Dividend rates are variable and subject to change monthly after the account is opened. If you withdraw any part of your Christmas Club Account before the maturity date (November 1), the entire account must be closed and will remain closed until the opening period (January 1) begins for the following year’s Christmas Club Account. Upon maturity, the funds will automatically be transferred to your Share Account on November 1. There is no minimum opening deposit, however, dividends will not be paid until balance reaches $25. Rates are effective as of 12/12/2024.

*APY = Annual Percentage Yield

Freedom Account
Freedom Daily Balance Dividend Rate Yield
From To Rate APY*
$500.00 $4,999.99 .050% .050%
$5,000.00 $9,999.99 .050% .050%
$10,000.00 $24,999.99 .698% .700%
$25,000.00 $49,999.99 .797% .800%
$50,000.00 $99,999.99 .847% .850%
$100,000.00 & over .896% .900%

*Annual Percentage Yields (APY) and dividend rates are established monthly by the Credit Union’s Board of Directors. All dividends are compounded monthly. Dividend rates are variable and subject to change monthly after the account is opened. Rates are effective as of 12/12/2024.

Individual Retirement Account (IRA) Certificates
Term Type of Rate Minimum Balance Dividend Rate APY*
3 Months Fixed $1,000.00 2.813% 2.850%
6 Months Fixed $1,000.00 2.960% 3.000%
12 Months Fixed $1,000.00 3.203% 3.250%
18 Months Fixed $1,000.00 3.445% 3.500%
24 Months Fixed $1,000.00 3.542% 3.600%
36 Months Fixed $1,000.00 3.590% 3.650%
60 Months Fixed $1,000.00 3.639% 3.700%

*IRA Certificate and Limited Time Certificate Rates are effective as of 12/12/2024.

Term Share Certificates ($1,000 - $9,999)
Term Dividend Rate APY*
3 Months 2.423% 2.450%
6 Months 2.911% 2.950%
12 Months 3.203% 3.203%
18 Months 3.251% 3.300%
24 Months 3.397% 3.450%
36 Months 3.445% 3.500%
48 Months 3.494% 3.550%
60 Months 3.542% 3.600%
Term Share Certificates ($10,000 - $24,999)
Term Dividend Rate APY*
3 Months 2.423% 2.450%
6 Months 2.911% 2.950%
12 Months 3.203% 3.250%
18 Months 3.251% 3.300%
24 Months 3.397% 3.450%
36 Months 3.445% 3.500%
48 Months 3.494% 3.550%
60 Months 3.542% 3.600%
Term Share Certificates ($25,000 - $49,999)
Term Dividend Rate APY*
3 Months 2.423% 2.450%
6 Months 3.008% 3.050%
12 Months 3.251% 3.300%
18 Months 3.251% 3.300%
24 Months 3.397% 3.450%
36 Months 3.445% 3.500%
48 Months 3.494% 3.550%
60 Months 3.542% 3.600%
Term Share Certificates ($50,000 - $99,999)
Term Dividend Rate APY*
3 Months 2.862% 2.900%
6 Months 3.008% 3.050%
12 Months 3.251% 3.300%
18 Months 3.300% 3.350%
24 Months 3.494% 3.550%
36 Months 3.542% 3.600%
48 Months 3.542% 3.600%
60 Months 3.639% 3.700%
Term Share Certificates ($100,000 & Up)
Term Dividend Rate APY*
3 Months 2.960% 3.000%
6 Months 3.008% 3.050%
12 Months 3.300% 3.350%
18 Months 3.397% 3.450%
24 Months 3.542% 3.600%
36 Months 3.590% 3.650%
48 Months 3.590% 3.650%
60 Months 3.735% 3.800%

*The dividend rate and APR may change at any time. The minimum balance required to open a regular certificate is $1,000.00. The APY is based on an assumption that dividends will remain in the account until maturity. Any withdrawal or transfer reduces earnings and there may be penalties for early withdrawal. Call (530) 257-7736 for current rates.  The dividend rate and Annual Percentage Yield (APY) were current as of 12/12/2024.

Limited Time Certificate Special*
Term Minimum Deposit Dividend Rate APY*
6 Months $10,000.00 3.928% 4.000%

*This is a limited time Share Certificate offer.

*The dividend rate and APR may change at any time. The minimum balance required to open a regular certificate is $1,000.00. The APY is based on an assumption that dividends will remain in the account until maturity. Any withdrawal or transfer reduces earnings and there may be penalties for early withdrawal. Call (530) 257-7736 for current rates.  The dividend rate and Annual Percentage Yield (APY) were current as of 12/20/2024.