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Rates | Savings and Checking
All savings accounts, savings certificates, and checking accounts are insured to $100,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. IRAs are insured separately to $250,000.


Account
Type
Dividend Rate Annual Percentage Yield
Minimum
Opening Deposit
Minimum Balance to Earn the Stated APY
Savings* 0.75% 0.75% $5+ $5.01
Holiday Savings* 0.75% 0.75% $5+ $5.01
Golden Bell Savings* 0.75% 0.75% $5+ $5.01
Club T Savings* 0.75% 0.75% $5+ $5.01
Cub Club Savings* 0.75% 0.75% $5+ $5.01
Club Individual Retirement Savings* 0.75% 0.75% - $5.01



Account
Type
Dividend Rate Annual Percentage Yield Minimum
Balance to avoid service fee
Minimum Balance to Earn the Stated APY
All Access Checking** .50% .50% - -
Golden Bell Checking** .50% .50% - -
Club T Checking** .50% .50% - -


+ Daily Balance
++ Average Daily Balance

* 2nd Quarter Dividend beginning April 1, 2008 ending June 30, 2008 applies to Regular Savings, Cub Club, Club T, and Golden Bell Savings. Fees for excess withdrawals within a quarter could reduce earnings on regular savings accounts. Dividends on savings and checking accounts are variable and are subject to change after the account is opened.

** Rate effective for August applies to All Access Checking, Club T, and Golden Bell Checking.