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Savings & Spending Rates
Certificate Rates
This Rate Disclosure sets forth current conditions and rates applicable to your certificate accounts at Credit Union 1. The Credit Union may offer other rates or amend the rates contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate Disclosure and acknowledges that it is a part of the Member and Business Service Agreements.
Effective date: 5/24/19
Certificate Type
Dividend RateAnnual Percentage YieldMinimum Balance Required
1 Month Certificate
$500.00–$39,999.99 (I1, I70)
$40,000.00–$99,999.99 (I1, I70)
$100,000 or more (I1, I70)

0.30%
0.35%
0.40%

0.30%
0.35%
0.40%

$500.00
$40,000.00
$100,000.00
3 Month Certificate
$500.00–$39,999.99 (I3, I71)
$40,000.00–$99,999.99 (I3, I71)
$100,000 or more (I3, I71)

0.40%
0.45%
0.50%

0.40%
0.45%
0.50%

$500.00
$40,000.00
$100,000.00
6 Month Certificate
$500.00–$39,999.99 (I6, I72)
$40,000.00–$99,999.99 (I6, I72)
$100,000 or more (I6, I72)

0.65%
0.70%
0.75%

0.65%
0.70%
0.75%

$500.00
$40,000.00
$100,000.00
1 Year Certificate
$500.00 – $39,999.99 (I12, I73)
$40,000.00–$99,999.99 (I12, I73)
$100,000 or more (I12, I73)

1.45%
1.50%
1.55%

1.46%
1.51%
1.56%

$500.00
$40,000.00
$100,000.00
1.5 Year Certificate
$500.00–$39,999.99 (I18, I74)
$40,000.00–$99,999.99 (I18, I74)
$100,000 or more (I18, I74)

1.70%
1.75%
1.80%

1.71%
1.76%
1.81%

$500.00
$40,000.00
$100,000.00
2 Year Certificate
$500.00–$39,999.99 (I24, I75)
$40,000.00 – $99,999.99 (I24, I75)
$100,000 or more (I24, I75)

1.95%
2.00%
2.05%

1.96%
2.01%
2.07%

$500.00
$40,000.00
$100,000.00
2.5 Year Certificate
$500.00–$39,999.99 (I30, I76)
$40,000.00–$99,999.99 (I30, I76)
$100,000 or more (I30, I76)

2.10%
2.15%
2.20%

2.12%
2.17%
2.22%

$500.00
$40,000.00
$100,000.00
3 Year Certificate
$500.00–$39,999.99 (I36, I77)
$40,000.00–$99,999.99 (I36, I77)
$100,000 or more (I36, I77)

2.30%
2.35%
2.40%

2.32%
2.37%
2.42%

$500.00
$40,000.00
$100,000.00
4 Year Certificate
$500.00–$39,999.99 (I48, I78)
$40,000.00–$99,999.99 (I36, I78)
$100,000 or more (I36, I78)

2.45%
2.50%
2.55%

2.47%
2.52%
2.57%

$500.00
$40,000.00
$100,000.00
5 Year Certificate
$500.00–$39,999.99 (I60, I79)
$40,000.00–$99,999.99 (I60, I79)
$100,000 or more (I60, I79)

2.65%
2.70%
2.75%

2.68%
2.73%
2.78%

$500.00
$40,000.00
$100,000.00
IRA Certificate
1 year (I32/33/90/91)
2 year (I34/35/92/93)
3 year (I31/37/94/95)
4 year (I38/39/96/97)
5 year (I40/41/98/99)

1.50%
2.00%
2.35%
2.50%
2.70%

1.51%
2.01%
2.37%
2.52%
2.73%

$500

Truth-In-Savings Disclosures
Except as specifically described, the following disclosures apply to all accounts:
Rate Information.
The dividend rate and annual percentage yield (APY) on your certificates are set forth above. The dividend rates and APYs are the prospective rates as of the effective date shown above. The dividend rate and APY are fixed and will be in effect for the term of the account. The APY is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.
Nature of Dividends.
Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period.
Compounding and Crediting.
The dividend period begins on the first calendar day of the quarter and ends on the last calendar day of the quarter. Dividends will be compounded and credited at the end of each calendar quarter and upon maturity. For I1 and I3 certificates, dividends will be  paid upon maturity only.
Accrual of Dividends.
Dividends will begin to accrue on the day you make the deposit to your account. If you close your certificate account before accrued dividends are credited, accrued dividends will not be paid.
Balance Information.
The minimum balance required to open each account and earn the stated APY is set forth above. If you do not maintain the minimum balance, you will not earn the stated APY. Dividends are calculated by using the daily balance method, which applies a daily periodic rate to the balance in the account each day.
Certificate Account Features
  1. Account Limitations.
    After your certificate account is opened, you may not make additional deposits to a certificate account.
  2. Maturity.
    Your certificate account will mature on the maturity date set forth on your renewal notice.
  3. Early Withdrawal Penalty.
    We may impose a penalty if you withdraw any of the principal of your certificate account before the maturity date. 
CU1-Certificate-Rates