Rates

Account Rates – Effective 11/21/24 – APY is accurate as of the last Dividend Declared Date – Until Further Notice

Account	APY²	Disclosures
Savings*	0.05%	$5 minimum balance to earn dividends
Christmas Club*	0.05%	$25 minimum balance to earn dividends
Rewards Checking*	0.05%	Non-Qualified Tier
–	1.00%	Qualified Tier 1 ($0 – $20,000)
–	0.20%	Qualified Tier 2 (Over $20,000)
Classic Checking*	0.00%	Qualified Tier 1 ($0.00 – $500.00)
–	0.05%	Qualified Tier 2 ($500 minimum balance to earn dividends and avoid a service charge.)

Money Market Rates

Tier	APY²
$2,000 and Greater	0.20%
$0 to $1,999.99	0.05%

Certificate of Deposit

Term	Amount	Dividend Rate	APY²
6 Months	$0.00 – $74,999.99	0.50%	0.50%
–	$75,000.00+	0.65%	0.65%
12 Months	$0.00 – $74,999.99	0.65%	0.65%
–	$75,000.00+	0.75%	0.75%
18 Months	$0.00 – $74,999.99	0.75%	0.75%
–	$75,000.00+	0.85%	0.85%
24 Months	$0.00 – $74,999.99	0.85%	0.85%
–	$75,000.00+	0.95%	0.95%
30 Months	$0.00 – $74,999.99	1.00%	1.00%
–	$75,000.00+	1.04%	1.05%
36 Months	$0.00 – $74,999.99	1.04%	1.05%
–	$75,000.00 – $224,999.99	1.09%	1.10%
–	$225,000.00+	1.14%	1.15%
48 Months	$0.00 – $74,999.99	1.09%	1.10%
–	$75,000.00 – $224,999.99	1.14%	1.15%
–	$225,000.00+	1.19%	1.20%
60 Months	$0.00 – $74,999.99	1.14%	1.15%
–	$75,000.00 – $224,999.99	1.19%	1.20%
–	$225,000.00+	1.24%	1.25%

The minimum deposit for the second rate tier on certificates is $50,000 if you have a checking with direct deposit or an active loan.

IRA Certificate of Deposit

Term	Amount	Dividend Rate	APY²
6 Months	$0.00 – $74,999.99	0.50%	0.50%
–	$75,000.00+	0.65%	0.65%
12 Months	$0.00 – $74,999.99	0.65%	0.65%
–	$75,000.00+	0.75%	0.75%
18 Months	$0.00 – $74,999.99	0.75%	0.75%
–	$75,000.00+	0.85%	0.85%
24 Months	$0.00 – $74,999.99	0.85%	0.85%
–	$75,000.00+	0.95%	0.95%
30 Months	$0.00 – $74,999.99	1.00%	1.00%
–	$75,000.00+	1.04%	1.05%
36 Months	$0.00 – $74,999.99	1.04%	1.05%
–	$75,000.00 – $224,999.99	1.09%	1.10%
–	$225,000.00+	1.14%	1.15%
48 Months	$0.00 – $74,999.99	1.09%	1.10%
–	$75,000.00 – $224,999.99	1.14%	1.15%
–	$225,000.00+	1.19%	1.20%
60 Months	$0.00 – $74,999.99	1.14%	1.15%
–	$75,000.00 – $224,999.99	1.19%	1.20%
–	$225,000.00+	1.24%	1.25%

The minimum deposit for the second rate tier on certificates is $50,000 if you have a checking with direct deposit or an active loan.

Loans

Type	As Low as (APR¹)	As High as (APR¹)	Disclosures
Secured Loans	6.99%	18.00%	Rate determined by credit history
Unsecured Loans	13.99%	18.00%	Rate determined by credit history

Dividend Rate – Expected earnings expressed on an annual basis.
APR¹ – Rates are based on the borrower’s creditworthiness and other factors. Not all applicants will qualify for the lowest rate.
APY² – Annual Percentage Yield
IRA and CD Share Certificate accounts have up to a $1,000 minimum to open based on tiered minimums and terms, and penalties for early withdrawals may apply.
All Consumer and Mortgage loans are closed-end loans, except for the home equity line of credit which is an open-end loan. The home equity line of credit has a variable rate that is subject to change quarterly.
*Rates are variable and may change at any time. To obtain current rate information call (405) 722-2234 or 1-800-324-8259.
Fees may reduce earnings on deposit accounts. Our fee schedule can be accessed from the Truth In Savings disclosures. Call or visit a branch for more information.
The minimum deposit for the second rate tier on certificates is $50,000 if you have a checking with direct deposit or an active loan.
The Rewards checking account rates are tiered based on daily balance and monthly qualifications as stated in the Truth In Savings disclosure for share accounts.
† Credit Union reserves the right to discontinue or modify specials at any time, for any reason, without prior notification.