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Checking & Savings Rates Effective November 1, 2019

Checking Accounts

Checking accounts

Account

Rate

APY*

Min. Balance

Free Checking

0%

0%

Money Market Checking

0.10%

0.10%

$2,500

WOW Checking Account Balances $100,000 or Less

0.37%

0.37%

See Requirements Below

WOW Checking Account Balances $100,000 or More

0.20%

0.20%

See Requirements Below

Savings & Investment

Savings and Investment Accounts

Account

Rate

APY*

Min. Balance

Share Savings

0.05%

0.05%

$25

Super Share Savings

0.15%

0.15%

$5,000

Holiday/Vacation Club Savings

0.05%

0.05%

Individual Retirement Accounts (IRA)

0.50%

0.50%

Share & IRA Share Certificates

APY is based on a $1,000 deposit and may vary based on the amount of deposit.

Certificate Terms

Certificate Terms

Term

Rate

APY*

Min. Balance

3 months

1.42%

1.43%

$1,000

6 months

1.43%

1.44%

$1,000

12 months

1.38%

1.39%

$1,000

24 months

1.43%

1.44%

$1,000

36 months

1.44%

1.45%

$1,000

48 months

1.44%

1.45%

$1,000

60 months

1.45%

1.46%

$1,000

Early withdrawal penalty for Share Certificate accounts:

Remaining Term of less than 1 year         90 days’ dividends

Remaining Term of 1 year or more           180 days’ dividends

* Annual Percentage Yield

To receive the rate for WOW accounts, members must have direct deposit and use our bill payment service at least once a month.

Dividend rates on Share, Money Market and Super Share and IRA Share accounts are declared by the Board of Directors at the end of each month and are subject to change.

Funds Availability Policy Disclosure