All rates are effective January 1, 2019 and subject to change without notice. Share certificates have a $1,000 minimum balance and early withdrawal penalty. The share savings accounts are the prospective rate for the 1st Quarter 2019.
|Share Savings Accounts, Club Accounts and IRAs||0.25%|
|6-month Share and IRA Certificate||0.70%|
|12-month Share and IRA Certificate||1.75%|
|24-month Share and IRA Certificate||2.10%|
|36-month Share and IRA Certificate||2.35%|
|48-month Share and IRA Certificate||2.25%|
|Special 29-month Share Certificate ($25,000 minimum balance)||2.75%|
*APY = Annual Percentage Yield
All dividends (interest) are earned and posted at the end of each calendar month.
Money Market Accounts
Adding to your “all things banking” options, MembersOwn now offers money market accounts.
This type of account gives you a way to earn money market interest rates, with the potential for a higher rate on higher balances.
|Monthly Fee||None, if balance is above $5,000; $10/month, if balance falls below $5,000|
|Interest Paid on Account||Yes. See tiered rate information below|
|Monthly Transactions||A total of 6 free transactions per month; $5/per additional transaction|
Tiered Dividend Rates
|$0.00 to $4,999.99||0.00%|
|$5,000 to $24,999.99||0.40%|
|$25,000 and Over||0.50%|
At MembersOwn Credit Union, it’s all about you!