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 12/7/2017

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%.35% / .35%.50% / .50%
Term - Eighteen Months.45% / .45%.60% / .60%
Term - Twenty-Four Months
*minimum of $10,000		.70% / .70%
Term - Thirty-Six Months
*minimum of $10,000		.80% / .80%
Term - Forty-Eight Months
*minimum of $10,000		1.00% / 1.00%