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Certificates of Deposit (CDs) and Individual Retirement Account (IRA) CDs
| CD Term | $500 to $9,999.99 APY1 | $10,000 to $74,999.99 APY1 | $75,000 and over APY1 |
|---|---|---|---|
| 6 Months | 2.80% | 2.90% | 3.00% |
| 9 Months* Special | 4.00% | 4.00% | 4.00% |
| 12 Months | 2.80% | 2.90% | 3.00% |
| 18 Months | 2.80% | 2.90% | 3.00% |
| 20 Months^ Special | 3.75% | 3.75% | 3.75% |
| 24 Months | 2.95% | 3.05% | 3.15% |
| 36 Months | 3.25% | 3.35% | 3.45% |
| 48 Months | 3.45% | 3.55% | 3.65% |
| 60 Months | 3.65% | 3.75% | 3.85% |
Share Savings Account
| Account Balance | Nominal Dividend Rate | APY1 |
| $0.01 and over | 0.55% | 0.55% |
Health Savings Account and Special Savings Account
| Account Balance | Nominal Dividend Rate | APY1 |
| $0.01 and over | 0.55% | 0.55% |
Advantages Money Market Savings Account
| Account Balance | Nominal Dividend Rate | APY1 |
| $0.01 – $9,999.99 | 0.90% | 0.90% |
| $10,000 – $49,999.99 | 1.00% | 1.00% |
| $50,000 – $99,999.99 | 1.09% | 1.10% |
| $100,000 – $249,999.99 | 1.29% | 1.30% |
| $250,000 – $499,999.99 | 1.49% | 1.50% |
| $500,000 and over | 1.74% | 1.75% |
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| Account Balance | Nominal Dividend Rate | APY1 |
| $0.01 – $9,999.99 | 0.50% | 0.50% |
| $10,000 – $49,999.99 | 0.55% | 0.55% |
| $50,000 and over | 0.60% | 0.60% |
IRA Savings Account (Traditional/Roth) and Coverdell Education Savings Account
| Account Balance | Nominal Dividend Rate | APY1 |
| $0.01 – $9,999.99 | 0.90% | 0.90% |
| $10,000 – $49,999.99 | 1.00% | 1.00% |
| $50,000 – $99,999.99 | 1.09% | 1.10% |
| $100,000 – $249,999.99 | 1.29% | 1.30% |
| $250,000 – $499,999 | 1.49% | 1.50% |
| $500,000 and over | 1.74% | 1.75% |
1 APY=Annual Percentage Yield. Rates are effective as of 2/1/2023. All rates are subject to change at any time without notice. Fees may decrease earnings on deposit, see Fee Schedule for details. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance of $500 is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. See Credit Union for additional terms and conditions.
*Dividend rate and Annual Percentage Yield (APY) are stated as of 2/1/2023. $500 minimum deposit required to open account. Must be new money. You may not make addi- tional deposits after the account is opened. APY assumes principal and dividends remain on deposit until maturity and the minimum balance of $500 is maintained. A penalty is imposed for partial or full withdrawals prior to maturity. Fees and withdrawal requests will reduce earnings on the account. Certificate renews automatically for 6 months. APY is subject to change and may be withdrawn without notice.
^Dividend rate and Annual Percentage Yield (APY) are stated as of 2/1/2023. $500 minimum deposit required to open account. You may not make additional deposits after the account is opened. APY assumes principal and dividends remain on deposit until maturity and the minimum balance of $500 is maintained. A penalty is imposed for partial or full withdrawals prior to maturity. Fees and withdrawal requests will reduce earnings on the account. Certificate renews automatically for 18 months. APY is subject to change and may be withdrawn without notice.
Looking for More Options?
Check out Utilities Employees Investment Services* at www.utilitieseis.com
*Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are:
*Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.