Personal Deposit Rates

Checking Accounts

Account

Dividend

APY*

Opening Balance

Compounded/Credited

Average Daily Balance

*APY = Annual Percentage Yield
**Average Daily Balance required to earn Dividends
Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Fees may reduce the earnings on the account. For additional information on your account please see your Membership & Account Agreement. If you have any questions or require current rate information please call the credit union at 757-877-2444.

^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 5/10/2024 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 This offer can be withdrawn at any time.

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

Learn More
Savings Accounts

Account

Dividend

APY*

Opening Balance

Compounded/Credited

Average Daily Balances**

*APY = Annual Percentage Yield
**Average Daily Balance required to earn Dividends
Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Fees may reduce the earnings on the account. For additional information on your account please see your Membership & Account Agreement. If you have any questions or require current rate information please call the credit union at 757-877-2444.

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

Learn More
Member Rewards Money Market

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 5/10/2024 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.

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%

Learn More
Tiered Money Market Account

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 5/10/2024 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.

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%

Learn More
Performance Plus Money Market

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 5/10/2024 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 at757-877-2444.

For additional information on your account please see your  Membership & Account Agreement. For additional information about fees please see the Fee Schedule.

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

1.391%

Annual Percentage Yield (APY)*

1.40%

Average Daily Balance***

$50,000 – $74,999.99

Dividend Rate

1.489%

Annual Percentage Yield (APY)*

1.50%

Average Daily Balance***

$75,000.00 – $99,999.99

Dividend Rate

1.489%

Annual Percentage Yield (APY)*

1.50%

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

2.472%

Annual Percentage Yield (APY)*

2.50%

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%

Learn More
Share & IRA Certificate Accounts

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: 5/10/2024. $500 Minimum balance to open for all shares except 40 Month ($5,000 Minimum).

**6-month term is not available for IRA Certificates.

 

 

Term

6 Month**

Dividend Rate

1.195%

Annual Percentage Yield (APY)

1.20%

Term

11 Month

Dividend Rate

4.426%

Annual Percentage Yield (APY)

4.50%

Term

12 Month

Dividend Rate

0.996%

Annual Percentage Yield (APY)

1.00%

Term

24 Month

Dividend Rate

2.966%

Annual Percentage Yield (APY)

3.00%

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%

Learn More