IRA


IRA Certificates

Type

Annual Percentage Yield (APY)*

Balance to Earn APY

Minimum to Open Account

Dividend Rate*

9 Month IRA Certificate

0.35%

$500

$500

0.34%

12 Month IRA Certificate - Variable

0.55%

$100

$100

0.54%

12 Month IRA Certificate

0.55%

$100

$100

0.54%

18 Month IRA Certificate - Variable

0.60%

$100

$100

0.59%

18 Month IRA Certificate

0.60%

$100

$100

0.59%

24 Month IRA Certificate

1.00%

$100

$100

0.99%

30 Month IRA Certificate

1.10%

$100

$100

1.09%

30 Month IRA Certificate - Variable

1.10%

$100

$100

1.09%

3 Year IRA Certificate

1.25%

$100

$100

1.24%

4 Year IRA Certificate

1.50%

$100

$100

1.48%

5 Year IRA Certificate

1.80%

$100

$100

1.78%

12 Month VIP IRA Certificate - Variable

0.80%

$25,000

$25,000

0.79%

 

*Any Annual Percentage Yield (APY) provided in this disclosure assumes dividends will remain on deposit until maturity or for at least one year for accounts with terms. A withdrawal will reduce earnings. A substantial penalty will be assessed for early withdrawal. Dividends are compounded daily and credited monthly. Fixed rates for accounts with specific maturities are in effect until maturity. Rates are determined at the discretion of the Board of Directors of the Credit Union. Dividends are paid from current income and available earnings. These rates are accurate for accounts as of the date indicated above. Rates are determined weekly for time accounts. You may contact the credit union at 845.336.4444 or 800.451.8373, extension 6000, for current rate information. See your account disclosures for additional information about your account. APYs are accurate as of 7/13/2016.