Savings & Debit Card Account

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DIVIDEND BEARING DEBIT CARD ACCOUNTS

Savings Rates as of January 4, 2022
ProgramMinimum Balance to OpenMinimum Balance to Earn DividendsAPY 1APR
Student Express Debit Card Account$25 or $500 Direct DepositDoes not earn dividendsn/an/a
Express Debit Card Account$25 or $500 Direct DepositDoes not earn dividendsn/an/a
Express Plus Debit Card Account$500$.010.01%0.010%
Express Premium Plus Debit Card Account$500 and aggregate relationship with CU1 of $50,000$.010.01%0.010%

​Note: Debit card accounts are checking accounts and all references to debit card accounts are governed by the terms and conditions provided for checking accounts.

Last Dividend Declaration Date: December 15, 2021. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.


1

APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.

SAVINGS ACCOUNTS

Savings Rates as of January 4, 2022
ProgramMinimum Balance to OpenMinimum Balance to Earn DividendsAPY 1APR
Primary Savings$5$50.01%0.010%
Secondary Savings$0$.010.01%0.010%
Vacation Club$0$.010.01%0.010%
Christmas Club$0$.010.01%0.010%
High Yield Savings 2$0$10.50%0.498%

Last Dividend Declaration Date: December 15, 2021. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.


1

APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.

2

At this time, we are not opening new High Yield Savings accounts. For existing High Yield Savings accounts, must be New Money and deposited into the High Yield Savings Account. “New Money” is defined as money not on deposit with Credit Union 1 within the last 12 months and transferred in from a different financial institution (no Credit Union 1 to Credit Union 1  balance transfers allowed at any time. Any funds transferred in this manner will be redeposited into the original account and earn at the current rate). Money removed from Credit Union 1, then redeposited within a 12-month period from the withdrawal, will not be eligible for the High Yield Savings Account Rate.

SHARE CERTIFICATE (CD)

Savings Rates as of January 4, 2022
TermMinimum Balance to Open and Earn DividendsAPY 1APREarly Withdrawal Penalty 2
6 Months$1,0000.25%0.250%90 Days’ Dividends
12 Months$1,0000.30%0.299%90 Days’ Dividends
24 Months$1,0000.40%0.399%180 Days’ Dividends
36 Months$1,0000.50%0.498%270 Days’ Dividends
48 Months$1,0000.60%0.598%270 Days’ Dividends
60 Months$1,0000.70%0.697%270 Days’ Dividends

Last Dividend Declaration Date: December 15, 2021. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.


1

APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.

2

We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce earnings on the account.

SHARE CERTIFICATE PLUS (CD)

Savings Rates as of January 4, 2022
TermMinimum Balance to Open and Earn DividendsAPY 1APREarly Withdrawal Penalty 2
6 Months$10,0000.25%0.250%90 Days’ Dividends
12 Months$10,0000.30%0.299%90 Days’ Dividends
24 Months$10,0000.40%0.399%180 Days’ Dividends
36 Months$10,0000.50%0.498%270 Days’ Dividends
48 Months$10,0000.60%0.598%270 Days’ Dividends
60 Months$10,0000.70%0.697%270 Days’ Dividends

Last Dividend Declaration Date: December 15, 2021. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.


1

APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.

2

We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce earnings on the account.

IRA CERTIFICATE (Traditional, Roth or Educational)

Savings Rates as of January 4, 2022
TermMinimum Balance to Open and Earn DividendsAPY 1APREarly Withdrawal Penalty 2
6 Months$1,0000.25%0.250%90 Days’ Dividends
12 Months$1,0000.30%0.299%90 Days’ Dividends
24 Months$1,0000.40%0.399%270 Days’ Dividends
36 Months$1,0000.50%0.498%180 Days’ Dividends
48 Months$1,0000.60%0.598%270 Days’ Dividends
60 Months$1,0000.70%0.697%270 Days’ Dividends

Last Dividend Declaration Date: December 15, 2021. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.


1

APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.

2

We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce earnings on the account.

IRA CERTIFICATE PLUS (Traditional, Roth or Educational)

Savings Rates as of January 4, 2022
TermMinimum Balance to Open and Earn DividendsAPY 1APREarly Withdrawal Penalty 2
6 Months$10,0000.25%0.250%90 Days’ Dividends
12 Months$10,0000.30%0.299%90 Days’ Dividends
24 Months$10,0000.40%0.399%180 Days’ Dividends
36 Months$10,0000.50%0.498%270 Days’ Dividends
48 Months$10,0000.60%0.598%270 Days’ Dividends
60 Months$10,0000.70%0.697%270 Days’ Dividends

Last Dividend Declaration Date: December 15, 2021. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.


1

APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.

2

We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce earnings on the account.

SAVINGS IRA ACCOUNTS

Savings Rates as of January 4, 2022
ProgramMinimum Balance to OpenMinimum Balance to Earn DividendsAPY 1APR
Savings IRA$0$.010.01%0.010%
Savings ROTH IRA$0$.010.01%0.010%
Savings Education IRA$0$.010.01%0.010%

Last Dividend Declaration Date: December 15, 2021. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.


1

APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.

MONEY MARKET ACCOUNTS

Savings Rates as of January 4, 2022
Minimum Balance to OpenMinimum Balance to Earn DividendsAPY 1APR
$2,500$2,5000.05%0.050%
$2,500$25,0000.10%0.100%
$2,500$50,0000.20%0.199%
$2,500$100,0000.30%0.299%
$2,500$250,0000.40%0.399%

Last Dividend Declaration Date: December 15, 2021. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.


1

APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.

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