Deposit & Investment Rates

Account Rates

Account TypeMinimum Opening DepositMinimum to Earn DividendsDividend TierDividend Rate A.1Annual Percentage Yield A.1(APY)
Primary Share Savings $5$50$50 - $9,999.990.05%0.05%
$10,000 - $19,999.990.05%0.05%
$20,000 - $39,999.990.05%0.05%
$40,000 or more0.05%0.05%
Special "4" Savings$1-N/A0.05%0.05%
Christmas Club Savings $1-N/A0.05%0.05%
IRA $0-N/A0.10%0.10%
Money Market$2,500$5,000$5,000 - $19,999.990.495%0.50%
$20,000 - $29,999.990.595%0.60%
$30,000 - $49,999.990.595%0.60%
$50,000 - $99,999.990.795%0.80%
$100,000 - $249,999.991.090%1.10%
$250,000 or more 1.590%1.60%
Interest Rewards Checking$25.00$1,000$1,000 - $9,999.990.05%0.05%
$10,000 - $49,999.990.10%0.10%
$25.00$50,000 and up0.15%0.15%
Teen Checking$25.00$500$500 and up0.05%0.05%
The dividend rate(s) and annual percentage yield(s) are accurate as of October 10, 2023, and are subject to change. A.1Rates are variable and may change after the account is opened. Fees could reduce earnings. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200.

Certificate Rates

TermMinimum Opening DepositDividend Rate Annual Percentage Yield (APY)
Based on Quarterly Compounding
3-month Certificate $1,0003.255%3.30%
3-month Jumbo Certificate $100,0003.745%3.80%
6-month Certificate$1,0004.665%4.75%
6-month Jumbo Certificate$100,0004.760%4.85%
12-month Certificate$1,0003.940%4.00%
12-month Jumbo Certificate$100,0004.180%4.25%
18-month Certificate$1,0003.600%3.65%
18-month Jumbo Certificate$100,0003.650%3.70%
24-month Certificate$1,0003.695%3.75%
24-month Jumbo Certificate$100,0003.795%3.85%
36-month Certificate$1,0003.260%3.30%
36-month Jumbo Certificate$100,0003.455%3.50%
48-month Certificate$1,0003.210%3.25%
48-month Jumbo Certificate$100,0003.405%3.45%
60-month Certificate$1,0003.160%3.20%
60-month Jumbo Certificate$100,0003.455%3.50%
The dividend rate(s) and annual percentage yield(s) are accurate as of April 1, 2024, and are subject to change. The Annual Percentage Yield (APY) assumes that dividends are compounded and will remain in the account until maturity. A penalty for early withdrawal may be imposed. Fees could reduce earnings. Dividend Rate and APY determined by term. 13-month Certificate will automatically renew into a 12-month Certificate after the term expires. All other terms will automatically renew after the term expires with the same term. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200.

IRA Certificate Rates

TermMinimum Opening DepositDividend Rate Annual Percentage Yield (APY)
Based on Quarterly Compounding
3-month IRA Certificate $1,0003.255%3.30%
3-month Jumbo IRA Certificate $100,0003.745%3.80%
6-month IRA Certificate$1,0004.665%4.75%
6-month Jumbo IRA Certificate$100,0004.760%4.85%
12-month IRA Certificate$1,0003.940%4.00%
12-month Jumbo IRA Certificate$100,0004.180%4.25%
18-month IRA Certificate$1,0003.600%3.65%
18-month Jumbo IRA Certificate$100,0003.650%3.70%
24-month IRA Certificate$1,0003.695%3.75%
24-month Jumbo IRA Certificate$100,0003.795%3.85%
36-month IRA Certificate$1,0003.260%3.30%
36-month Jumbo IRA Certificate$100,0003.455%3.50%
48-month IRA Certificate$1,0003.210%3.25%
48-month Jumbo IRA Certificate$100,0003.405%3.45%
60-month IRA Certificate$1,0003.160%3.20%
60-month Jumbo IRA Certificate$100,0003.455%3.50%
The dividend rate(s) and annual percentage yield(s) are accurate as of April 1, 2024, and are subject to change. The Annual Percentage Yield (APY) assumes that dividends are compounded and will remain in the account until maturity. A penalty for early withdrawal may be imposed. Fees could reduce earnings. Dividend Rate and APY determined by term. 13-month Certificate will automatically renew into a 12-month Certificate after the term expires. All other terms will automatically renew after the term expires with the same term. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200.

Boost Certificate Rates

TermMinimum Opening DepositDividend Rate Annual Percentage Yield (APY)
Based on Quarterly Compounding
24-month Boost Certificate$1,0003.695%3.75%
24-month Jumbo Boost Certificate$100,0003.795%3.85%
48-month Boost Certificate$1,0003.210%3.25%
48-month Jumbo Boost Certificate$100,0003.405%3.45%
The dividend rate(s) and annual percentage yield(s) are accurate as of April 1, 2024, and are subject to change. The Annual Percentage Yield (APY) assumes that dividends are compounded and will remain in the account until maturity. A penalty for early withdrawal may be imposed. Fees could reduce earnings. Dividend Rate and APY determined by term. At any time after the first seven days of receipt of your initial deposit you may request that the dividend rate on your applicable Certificate be changed to the dividend rate then offered by the Credit Union for the then current Certificate of the same type and term as your original Certificate as long as you continue to maintain the minimum balance and meet the other requirements for this Certificate Account. The new dividend rate will apply to your then current balance beginning no later than the first business day after we actually receive your rate change request, and will apply until your original account maturity date, which will not change. You may make your request for a dividend rate change over the telephone, by mail, by email, or in person. You are allowed a dividend rate change only once during each term or renewal term of a 24-month term Certificate and twice during each term or renewal term of a 48-month term Certificate. The Credit Union may honor the request for a dividend rate change by a joint account holder without first obtaining the consent of the other joint account holders. You agree to be bound by these terms and conditions which are in addition to the terms and conditions in our other Agreements with you. Existing certificates may be redeemed with penalties to purchases BOOST Certificates but cannot be converted directly to a BOOST Certificate. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200.