Rates

Account Rates – Effective 10/1/2020 – 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
Go Green Rewards Checking 0.05% Non Qualified Tier
1.00% Qualified Tier 1 ($0 – $15,000)
0.20% Qualified Tier 2 (Over $15,000)
Elite Preferred Checking** 0.30% <$300,000   ($500 minimum balance to earn dividends)
0.35% $300,000 – $499,999.99
0.45% $500,000 – $749,999.99
0.55% $750,000 – $1,249,999.99
0.55% $1,250,000 and up
Non-Profit Checking 0.25%
Classic Checking 0.05% $500 minimum balance to earn dividends and avoid a service charge
Loans
Type As Low as (APR1) As High as (APR1) Disclosures
Secured Loans 3.99% 18.00% Rate determined by credit history
Signature Loans 11.24% 18.00% Rate determined by credit history
Money Market Rates
Tier APY²
$2,000 and Greater 0.20%
$0 to $1,999.99 0.05%
Special Rate CD or IRA – For Balances $50,000 or greater
Term Dividend Rate APY²
Share Certificate Dividends
Term Amount Dividend Rate APY²
6 Months $0.00 – $74,999.99 0.50% 0.50%
$75,000.00 – $224,999.99 0.65% 0.65%
$225,000.00+
12 Months $0.00 – $74,999.99 0.65% 0.65%
$75,000.00 – $224,999.99 0.75% 0.75%
$225,000.00+
18 Months $0.00 – $74,999.99 0.75% 0.75%
$75,000.00 – $224,999.99 0.85% 0.85%
$225,000.00+
24 Months $0.00 – $74,999.99 0.85% 0.85%
$75,000.00 – $224,999.99 0.95% 0.95%
$225,000.00+-
30 Months $0.00 – $74,999.99 1.00% 1.00%
$75,000.00 – $224,999.99 1.04% 1.05%
$225,000.00+
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 Share Certificate Dividends
Term Amount Dividend Rate APY²
6 Months $0.00 – $74,999.99 0.50% 0.50%
$75,000.00 – $224,999.99 0.65% 0.65%
$225,000.00+
12 Months $0.00 – $74,999.99 0.65% 0.65%
$75,000.00 – $224,999.99 0.75% 0.75%
$225,000.00+
18 Months $0.00 – $74,999.99 0.75% 0.75%
$75,000.00 – $224,999.99 0.85% 0.85%
$225,000.00+
24 Months $0.00 – $74,999.99 0.85% 0.85%
$75,000.00 – $224,999.99 0.95% 0.95%
$225,000.00+
30 Months $0.00 – $74,999.99 1.00% 1.00%
$75,000.00 – $224,999.99 1.04% 1.05%
$225,000.00+
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.

Disclosures

  • Dividend Rate – Expected earnings expressed on annual basis.
  • APR1 – Rates are based on borrower’s credit worthiness 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.
  • 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. Click here to visit our disclosures page.
  • * 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 Go Green checking account rates are tiered based on daily balance and monthly qualifications as stated in the Truth In Savings disclosure for share accounts.
  • ** Elite Preferred Checking available for schools/organizations only.
  • † Credit Union reserves the right to discontinue or modify specials at any time, for any reason, without prior notification.