Personal Deposit Rates
|
Account |
Dividend |
APY* |
Opening Balance |
Compounded/Credited |
Average Daily Balance |
|---|---|---|---|---|---|
|
*APY = Annual Percentage Yield ^APY = Annual Percentage Yield. Qualified accounts earn up to 4.00% APY on balances up to $7,500 and 0.05% APY on balances over $7,500. Non-Qualified account balances earn 0.05% APY. Qualified accounts must have 10 or more posted Debit Card transactions (excluding ATM transactions) per month and eStatements. Failure to meet any one of these requirements during a calendar month will cause the account to default to the Non-Qualified account rate of 0.05% APY. APY as of 11/27/2024 and is subject to change. Dividends compounded monthly. No minimum balance to open. Fees may reduce earnings. This offer can be withdrawn at any time. |
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|
Account Free Advantage Checking |
Dividend N/A |
APY* N/A |
Opening Balance N/A |
Compounded/Credited N/A |
Average Daily Balance N/A |
|
Account Premier Checking |
Dividend 0.05% |
APY* 0.05% |
Opening Balance None |
Compounded/Credited Quarterly |
Average Daily Balance $100 |
|
Account Preferred Checking |
Dividend 0.05% |
APY* 0.05% |
Opening Balance None |
Compounded/Credited Quarterly |
Average Daily Balance $250 |
|
Account Youth Spend |
Dividend N/A |
APY* N/A |
Opening Balance N/A |
Compounded/Credited N/A |
Average Daily Balance N/A |
|
Account High-Yield Checking |
Dividend up to 3.928%^ |
APY* up to 4.00%^ |
Opening Balance None |
Compounded/Credited Monthly |
Average Daily Balance N/A |
|
Account |
Dividend |
APY* |
Opening Balance |
Compounded/Credited |
Average Daily Balances** |
|---|---|---|---|---|---|
|
*APY = Annual Percentage Yield |
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|
Account Membership Savings |
Dividend 0.05% |
APY* 0.05% |
Opening Balance $5.00 |
Compounded/Credited Quarterly |
Average Daily Balances** $100 |
|
Account Basic Savings |
Dividend 0.05% |
APY* 0.05% |
Opening Balance $0 |
Compounded/Credited Quarterly |
Average Daily Balances** $100 |
|
Account Youth |
Dividend 0.05% |
APY* 0.05% |
Opening Balance $5.00 |
Compounded/Credited Quarterly |
Average Daily Balances** $100 |
|
Account Escrow |
Dividend 0.05% |
APY* 0.05% |
Opening Balance None |
Compounded/Credited Quarterly |
Average Daily Balances** $100 |
|
Account IRA Variable |
Dividend 0.25% |
APY* 0.25% |
Opening Balance None |
Compounded/Credited Quarterly |
Average Daily Balances** $100 |
|
Daily Balance |
Dividend Rate |
Annual Percentage Yield (APY) |
|---|---|---|
|
*APY = Annual Percentage Yield. Qualified Member Rewards Money Market accounts earn 2.00% APY on balances up to $10,000 and 0.05% APY on balances over $10,000. Non-Qualified account balances earn 0.05% APY. Qualified members must have a 1st Advantage Checking Account with 10 posted Debit Card transactions (excluding ATM transactions) per month and one or more ACH Direct Deposit transactions posted in each calendar month. Failure to meet any one of these requirements during a calendar month will cause the account to default to the Non-Qualified account rate of 0.05% APY. APY as of 11/27/2024 and is subject to change. Dividends compounded monthly. No minimum balance to open. Fees may reduce earnings. This offer can be withdrawn at any time. Limit of one Member Rewards Money Market per qualified member number. |
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|
Daily Balance Qualified Accounts* |
Dividend Rate 1.982% |
Annual Percentage Yield (APY) 2.00% |
|
Daily Balance Non-Qualified Accounts* |
Dividend Rate 0.05% |
Annual Percentage Yield (APY) 0.05% |
|
Average Daily Balance** |
Dividend Rate |
Annual Percentage Yield (APY) |
|---|---|---|
|
*APY = Annual Percentage Yield. ** Average Daily Balance required to earn dividends. The Money Market Account tier dividend rates and APY as of 11/27/2024 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-877-2444. |
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|
Average Daily Balance** $1,000.00 – $2,499.99 |
Dividend Rate 0.00% |
Annual Percentage Yield (APY) 0.00% |
|
Average Daily Balance** $2,500.00 – $9,999.99 |
Dividend Rate 0.50% |
Annual Percentage Yield (APY) 0.50% |
|
Average Daily Balance** $10,000.00 – $24,999.99 |
Dividend Rate 0.648% |
Annual Percentage Yield (APY) 0.65% |
|
Average Daily Balance** $25,000.00 – $49,999.99 |
Dividend Rate 0.648% |
Annual Percentage Yield (APY) 0.65% |
|
Average Daily Balance** $50,000.00-$74,999.99 |
Dividend Rate 0.648% |
Annual Percentage Yield (APY) 0.65% |
|
Average Daily Balance** $75,000.00 – $99,999.99 |
Dividend Rate 0.747% |
Annual Percentage Yield (APY) 0.75% |
|
Average Daily Balance** $100,000.00 – $249,999.99 |
Dividend Rate 0.747% |
Annual Percentage Yield (APY) 0.75% |
|
Average Daily Balance** $250,000.00 – $499,999.99 |
Dividend Rate 0.995% |
Annual Percentage Yield (APY) 1.00% |
|
Average Daily Balance** $500,000.00 – $999,999.99 |
Dividend Rate 1.094% |
Annual Percentage Yield (APY) 1.10% |
|
Average Daily Balance** $1,000,000 and Up |
Dividend Rate 1.440% |
Annual Percentage Yield (APY) 1.45% |
|
Average Daily Balance*** |
Dividend Rate |
Annual Percentage Yield (APY)* |
|---|---|---|
|
**APY = Annual Percentage Yield. The Performance Plus Money Market Account tier dividend rates and APY as of 11/27/2024 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-877-2444. For additional information on your account please see your Membership & Account Agreement. For additional information about fees please see the Fee Schedule. |
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|
Average Daily Balance*** $0 – $24,999.99 |
Dividend Rate 0.00% |
Annual Percentage Yield (APY)* 0.00% |
|
Average Daily Balance*** $25,000.00 – $49.999.99 |
Dividend Rate 1.193% |
Annual Percentage Yield (APY)* 1.20% |
|
Average Daily Balance*** $50,000 – $74,999.99 |
Dividend Rate 1.292% |
Annual Percentage Yield (APY)* 1.30% |
|
Average Daily Balance*** $75,000.00 – $99,999.99 |
Dividend Rate 1.292% |
Annual Percentage Yield (APY)* 1.30% |
|
Average Daily Balance*** $100,000.00 – $249,999.99 |
Dividend Rate 1.982% |
Annual Percentage Yield (APY)* 2.00% |
|
Average Daily Balance*** $250,000.00 – $499,999.99 |
Dividend Rate 2.276% |
Annual Percentage Yield (APY)* 2.30% |
|
Average Daily Balance*** $500,000.00 – $999,999.99 |
Dividend Rate 3.203% |
Annual Percentage Yield (APY)* 3.25% |
|
Average Daily Balance*** 1,000,000 and Up |
Dividend Rate 3.928% |
Annual Percentage Yield (APY)* 4.00% |
|
Term |
Dividend Rate |
Annual Percentage Yield (APY) |
|---|---|---|
|
A penalty and/or account closure will be imposed for withdrawals before maturity. Fees may reduce earnings. For additional information on your account please refer to the Rate & Fee Schedule and/or Membership & Account Agreement. If you have any questions or require current rate information please call the Credit Union at 757-877-2444. Standard Certificates include: 12-month, 24-month, 36-month, 48-month, and 60-month terms. All other certificates are special. *Member has option to bump up rate one time during term. Effective Date: 11/27/2024. $500 Minimum balance to open for all shares except 40 Month ($5,000 Minimum). **6-month and 8-month terms are not available for IRA Certificates. ***To qualify for 8-month certificate rate of 4.00% APY, member must have direct deposit to any 1st Advantage checking account. If no direct deposit, rate is 3.50% APY. Additional offers may not be combined.
|
||
|
Term 6 Month** |
Dividend Rate 1.195% |
Annual Percentage Yield (APY) 1.20% |
|
Term 8 Month*** |
Dividend Rate 3.941% |
Annual Percentage Yield (APY) 4.00% |
|
Term 11 Month |
Dividend Rate 2.966% |
Annual Percentage Yield (APY) 3.00% |
|
Term 12 Month |
Dividend Rate 0.996% |
Annual Percentage Yield (APY) 1.00% |
|
Term 24 Month |
Dividend Rate 2.722% |
Annual Percentage Yield (APY) 2.75% |
|
Term 36 Month |
Dividend Rate 2.722% |
Annual Percentage Yield (APY) 2.75% |
|
Term 40 Month* |
Dividend Rate 1.990% |
Annual Percentage Yield (APY) 2.00% |
|
Term 48 Month |
Dividend Rate 2.722% |
Annual Percentage Yield (APY) 2.75% |
|
Term 60 Month |
Dividend Rate 2.722% |
Annual Percentage Yield (APY) 2.75% |