Dividend Rates

Effective September 1, 2018

Account Type | Dividend Rate* | APY**
Regular Shares | 0.20% | 0.20%
Special Shares | 0.20% | 0.20%
Free Checking | 0.00% | 0.00%
Student Checking | 0.00% | 0.00%
Interest Rewards Checking
– up to $5,000 earns 3.44% | 3.50%
– over $5,000  earns 0.25% | 0.25%

Money Market
Balance |
Interest Rate* | APY**
$2,500 – $9,999.99 | 0.25% | 0.25%
$10,000 – $24,999.99 | 0.29% | 0.29%
$25,000 – $49,999.99 | 0.41% | 0.41%
$50,000 – $99,999.99 | 0.56% | 0.56%
$100,000 – $249,999.99 | 0.75% | 0.75%
$250,000 or more | 0.91% | 0.91%

Share Certificates – Existing Deposits
Term |
Interest Rate* | APY**
3 months | 0.33% | 0.35%
6 months | 0.65% | 0.65%
12 months | 1.18% | 1.19%
18 months | 1.40% | 1.41%
24 months | 1.54% | 1.55%
36 months | 1.74% | 1.75%
48 months | 1.93% | 1.95%
60 months | 2.03% | 2.05%

Bonus over $100,000 | 0.10% | 0.10%
Bonus for New Money | 0.05% | 0.05%

IRA Certificates
Term |
 APR  | APY
24 months | 1.54%  | 1.55% APY
36 months | 1.74  | 1.75% APY

IRA Shares (Traditional, Education and Roth)
Interest Rate  | APY
.49%  |  .49%

Christmas Club earns 0.20% | 0.20% APY**

 

*  Annual Interest Rate
**Annual Percentage Yield

Important Things to Know About Interest Rates

For updated rate information, call (615) 687-4801 during regular business hours. Rates are subject to change.
Member NCUA. National Credit Union Administration, a U.S. Government Agency.
Your savings federally insured to $250,000 and backed by the full faith and credit of the United States Government.

Minimum Balance Requirements for Regular Share Certificates and IRA Certificates
Certificates require a minimum balance of $1,000. The dividend rate is guaranteed for the term of the certificate. Penalties will be charged for early withdrawals. There is no penalty for minimum required distributions on IRA Certificates withdrawn at age 70½ or older. The annual percentage yield (APY) is based on the assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

Variable Dividend Rates
Rates on Share Accounts, Money Market Accounts, and Christmas Club Accounts are variable. The dividend rate(s) and APY may change, and we reserve the right to change the rate(s) at our discretion. Any fees charged to the account may reduce earnings.