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Deposit Rates
Print Version

Rates Effective April 14, 2015

General Information

  • Dividend and Loan Rates are determined by the Board of Directors and may change without notice.
  • You must maintain a minimum daily balance of $50.00 or have an outstanding loan balance to be an active member.
  • Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
  • Dividends are calculated daily and compounded and paid monthly.

Share Savings Account

Balance Needed To
Earn Dividends
Dividend
Rate
Annual
Percentage Yield
$5.00 0.15% 0.15%

Checking Accounts

Type of Account Balance Needed
To Earn
Dividends
Dividend Rate Annual
Percentage Yield
Primary N/A N/A N/A
Dividend Plus $5 or more* 0.20% 0.20%
Primary Checking: has no monthly fee and no minimum balance.
* For additional information refer to the Terms and Conditions disclosure.

Business Checking Accounts

Type of Account Balance Needed
To Earn
Dividends
Dividend Rate Annual
Percentage Yield
Primary N/A N/A N/A
Business Dividend $5 or more** 0.01% 0.01%
** For additional information refer to the Business Terms and Conditions disclosure.

Money Market and Money Market IRAs

Balance Needed To
Earn Dividends
Dividend
Rate
Annual
Percentage Yield
$2,500 to $9,999 0.15% 0.15%
$10,000 to $24,999 0.20% 0.20%
$25,000 to $49,999 0.25% 0.25%
$50,000 to $99,999 0.30% 0.30%
$100,000 or more 0.30% 0.30%
  • $2,500 minimum opening deposit.
  • Funds may be withdrawn at any time without penalty except loss of dividend.

Individual Retirement Accounts & Roth Individual Retirement Accounts

Minimum Deposit Dividend
Rate
Annual
Percentage Yield
$50.00 0.15% 0.15%
  • Additional contributions may be made at any time.
  • Dividends are tax-deferred until withdrawal.
  • Early withdrawal of funds (before the IRA holder is 59 1/2 years of age) may be subject to penalty.

Share Certificates& IRA Share
Certificates

Term Dividend
Rate
Annual
Percentage Yield
6-Month 0.35% 0.35%
1-Year 0.49% 0.50%
2-Year 0.99% 1.00%
3-Year 1.24% 1.25%
4-Year 1.49% 1.50%
5-Year 1.98% 2.00%
  • Minimum Deposit/Balance - $1,000  

Saver Certificates 

Term Dividend
Rate
Annual
Percentage Yield
6-Month 0.40% 0.40%
1-Year 0.45% 0.45%
2-Year 0.69% 0.70%
3-Year 1.04% 1.05%
  • Minimum opening deposit—$100

Military Saver Certificates

Term Dividend
Rate
Annual
Percentage Yield
6-Month 0.64% 0.65%
1-Year 2.96% 3.00%
2-Year 0.94% 0.95%
3-Year 1.29% 1.30%
  • Available for active duty military personnel only
  • Minimum opening deposit—$100
Withdrawal of certificate funds before maturity may be subject to penalties.
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Accounts

Open an AccountCheckingeStatementsKids AccountsIRAsMoney MarketSavingsShare Certificates

Loans

ApplyVehicle LoansVISA Credit CardsPersonal LoansHome LoansHome EquityCalculators

Special Offers

Auto Loans Made Easy Free Checking Equity Advantage Line of Credit Signature Rewards VISA Win Your Next Equity Payment On Us Win Your Next Visa Payment On Us

Resources

Auto CenterEducation CenterInfo CenterMilitary CenterMortgage CenterPlastic Cards CenterPromotion CenterSecurity Center

Additional Info

Avoiding ForeclosureDollars & Sense NewsletterMilitary Paydays

Useful Credit Union Info

1278 Rocky Point Drive • Oceanside, CA 92056
800.736.4500

Routing & Transit Number 322274925

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