Deposit Rates

If you have any questions or require current rate information on your accounts, please call the Credit Union at (864) 366-9602.

This Rate & Fee Schedule is part of your Agreement with the Credit Union. Rates effective as of 9/8/2015

Share AccountFree/Basic Checking AccountGreater Advantage Checking AccountStudent Checking AccountMoney Market AccountFresh Start Checking Account
DIVIDEND RATE0.00%0.05%0.00%2.00%0.00%
ANNUAL PERCENTAGE YIELD ("APY")0.00%0.05%0,00%2.00% (up to $20,000)0.00%
Dividends CopoundedN/AQuarterlyN/AQuarterlyN/A
Dividends CreditedN/AQuarterlyN/AQuarterlyN/A
Dividends PeriodN/AQuarterlyN/AQuarterlyN/A
Minimum Opening Deposit$0.00$200.00N/AN/A$0.00
Minimum Balance to avoid service charge and to earn APY set forth in this scheduleN/A$200.00 to Earn APYN/A$5000.00 in loans to Earn APYN/A
Bonus for Opening, Renewing, Maintaining or Increasing Balance in an Account N/AN/AN/AN/AN/A
Amount or type of bonusN/AN/AN/AN/AN/A
When will the bonus be providedN/AN/AN/AN/AN/A
Minimum balance to obtain the bonusN/AN/AN/AN/AN/A
Minimum time you must maintain minimum balance to obtain bonusN/AN/AN/AN/AN/A
Share AccountRegular Savings AccountIRA Savings AccountChristmas Club Savings AccountVacation Club Savings Account
DIVIDEND RATE0.10%0.30%0.05%0.05%
ANNUAL PERCENTAGE YIELD ("APY")0.10%0.30%0.05%0.05%
Dividends Compounded QuarterlyQuarterlyQuarterlyQuarterly
Dividends CreditedQuarterlyQuarterlyQuarterlyQuarterly
Dividend PeriodQuarterlyQuarterlyQuarterlyQuarterly
Minimum Opening Deposit$25.00N/AN/AN/A
Minimum Balance to avoid service charge and to earn APY set forth in this schedule$100.00 to Earn APY$100.00 to Earn APY$100.00 to Earn APY$100.00 to Earn APY
Bonus for Opening, Renewing, Maintaining or Increasing Balance in an AccountN/AN/AN/AN/A
Amount or type of bonusN/AN/AN/AN/A
When will the bonus be providedN/AN/AN/AN/A
Minimum balance to obtain the bonusN/AN/AN/AN/A
Minimum time you must maintain minimum balance to obtain bonusN/AN/AN/AN/A
Time and IRA Certificate AccountsBudget Certificate Account & Budget IRA Certificate AccountBasic Certificate Account & Basic IRA Certificate AccountPreferred Certificate Account & Preferred IRA Certificate AccountPrestige Certificate Account & Prestige IRA Certificate Account
Minimum Opening Deposit$500.00$1,000.00$5,000.00$10,000.00
Dividends CompoundedQuarterlyQuarterlyQuarterlyQuarterly
Dividends CreditedQuarterlyQuarterlyQuarterlyQuarterly
Dividend PeriodQuarterlyQuarterlyQuarterlyQuarterly
Dividend Rate / Dividend Annual Percentage Yield ("APY")Rate / APYRate / APYRate / APYRate / APY
Term - Six Months.10% /
.10%
.10% /
.10%
.10% /
.10%
.25% /
.25%
Term - One Year.15% /
.15%
.25% /
.25%
.40% /
.40%
Term - Eighteen Months.35% /
.35%
.50% /
.50%
Term - Two Years.55% /
.55%
Term - Other