Checking1
| Account |
APY |
Minimum
Balance |
Interest
Paid |
| Choice Checking with Interest |
{{ratesnum.74}}% |
$2,500 |
Monthly |
| Health Savings Account |
{{ratesnum.75}}% |
$5.00 |
Monthly |
|
|
Centsible Savings2
| Account Balance |
|
APY |
Dividends
Paid |
| $0.01 - $2,499.99 |
|
{{ratesnum.76}}% |
Quarterly |
| $2,500.00 - $24,999.99 |
|
{{ratesnum.77}}% |
Quarterly |
| $25,000.00 - $74,999.99 |
|
{{ratesnum.78}}% |
Quarterly |
| $75,000.00 and Above |
|
{{ratesnum.79}}% |
Quarterly |
|
|
Savings Accounts3
| 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 |
|
|
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 4/1/2023.
For Savings accounts, the APY shown is accurage as of 4/1/2023.
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.
1 There is a monthly service charge if your average daily balance is less than $2,500. Terms and conditions subject to change.
2 Minimum balance required to earn APY is $0.01. Centsible Savings dividends will be based on your average daily balance at the end of each quarter. Your dividends will be deposited into your account at the end of each quarter. 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.
If you make a return or have a debit card transaction reversed, the “round up” amount will remain in your Centsible Savings Account. You may not make deposits or transfers into your Centsible Savings Account.
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.