Checking1
| Account |
APY |
Minimum
Balance |
Interest
Paid |
| ChoicePlus+ Checking |
3.25% on the first $10,0001
0.05% on balances $10,001 and greater
|
$2,500 |
Monthly |
| Health Savings Account |
{{ratesnum.75}}% |
$5.00 |
Monthly |
|
|
Centsible Savings2
| Account Balance |
|
APY |
Dividends
Paid |
| $0.01 - $1000.00 |
|
{{ratesnum.76}}% |
Quarterly |
| $1,000.01 or greater |
|
{{ratesnum.77}}% |
Quarterly |
|
|
Savings Accounts3
including Kids Savings School, Edge Savings for Teens, U Name It, and Christmas Club
| Account Balance |
|
APY |
Dividends
Paid |
| $100.00 - $2,499.99 |
|
{{ratesnum.80}}% |
Quarterly |
| $2,500.00 - $24,999.99 |
|
{{ratesnum.81}}% |
Quarterly |
| $25,000.00 - $74,999.99 |
|
{{ratesnum.82}}% |
Quarterly |
| $75,000.00 and Above |
|
{{ratesnum.83}}% |
Quarterly |
|
|
High Yield Savings4
| Account Balance |
|
APY |
Dividends
Paid |
| $0.01 - $25,000 |
|
4.25% |
Monthly |
| $25,001 and above |
|
0.25% |
Monthly |
|
|
IRA Savings and Education (Coverdell) Savings3
Available in Traditional and Roth IRA Savings and Educational (Coverdell) Savings
| Account Balance |
|
APY |
Dividends
Paid |
| $.01 - $2,499.99 |
|
{{ratesnum.84}}% |
Quarterly |
| $2,500 - $24,999.99 |
|
{{ratesnum.85}}% |
Quarterly |
| $25,000 - $74,999.99 |
|
{{ratesnum.86}}% |
Quarterly |
| $75,000.00 and Above |
|
{{ratesnum.87}}% |
Quarterly |
|
|
Contact a credit union employee for more details on our products as well as our current rates.
Please note that when referring to APY, APY stands for Annual Percentage Yield.
For Checking accounts and IRAs, the APY shown is accurate as of 10/1/2024.
For Savings accounts, the APY shown is accurage as of 12/5/2023.
The annual percentage yields for Savings and Centsible Savings are the prospective rates that the credit union anticipates paying for the applicable dividend period, as determined by the credit union Board of Directors.
Rates subject to change after account opening.
Minimum opening deposit to open a Savings account is $5.00. See Truth in Savings disclosure for terms and fees associated with checking accounts.
1There is a monthly service charge if your average daily balance is less than $2,500. Terms and conditions subject to change. To qualify for the 3.25% APY, you must be enrolled in e-statements, maintain aggregate monthly direct deposits of at least $2,000 and make at least 15 debit card transactions per month (excluding ATM withdrawals). If these qualifications are not met, the earned APY is 0.05% APY on the account's total balance.
2Must have an Avadian checking account and debit card to open a Centsible Savings aaccount. Choice Checking Accounts are subject to membership and eligibility. Centsible Savings' APY is accurate as of Dec. 31, 2023. Minimum average daily balance to earn advertised APY is $0.01 at the end of each quarter. Fees may reduce earnings. Cannot make deposits or transfers into a Centsible Savings Account. Rate subject to change.
Avadian’s match contribution will be credited to the Centsible Savings Account at the end of the calendar quarter based on the accumulated contribution for the calendar quarter or the balance in the account at the end of the calendar quarter, whichever is less. The maximum total match is $250 per year. Fees could reduce earnings.
3 Dividends are calculated by monthly average daily balance methods of $100 or more and are paid and compounded quarterly. Share accounts with a minimum balance of $100 or share accounts with a $5 balance and additional Avadian products are considered "active" and are not subject to minimum balance or dormant account fees. These fees do not apply to members less than 19 years of age. Christmas Club Savings Account funds are available to withdraw between October 1 and December 31 without penalty.
4 Limit one High-Yield Savings account per Primary member, regardless of how many open memberships you have. To earn the maximum APY on balances up to $25,000, you must be enrolled in e-statements and have or open an Avadian checking account with direct deposit of $500 or greater. If all requirements are not met, then 0.25% APY shall apply to all balance ranges. Direct deposits are electronic deposits of items such as payroll, Social Security, retirement, or government payments. Person-to-person transfers, account-to-account transfers, mobile deposits, or deposits made in-branch or at an ATM or ATM Plus+ do not qualify as direct deposit. Choice Checking accounts require a minimum opening deposit of $25. Choice Checking accounts are subject to membership and eligibility.