Looking to Grow Your Savings?
We Have Two Great Options!
Grow Your Savings Your Way!
Looking for an investment option that not only guarantees a fixed rate of return but also offers an exciting opportunity to grow your savings? Our Certificates are the perfect choice for you! Or with a Money Market Account, you can earn dividends on the cash you save while never losing access to your funds. Choose the option that works best for you!
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Performance Plus Money Marketup to 4% APY*
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8-Month Share Certificate4.25% APY***
Why choose a Performance Plus Money Market Account or Share Certificate to grow your savings?
Either option is perfect for members looking to take their savings strategy to the next level while keeping their funds secure and growing. You choose which type aligns best with your financial goals.
Competitive Interest Rates
Our Share Certificates and Performance Plus Money Market Accounts offer higher interest rates, helping you earn more on your savings.
Secure
No matter what’s happening in the market, your savings are federally insured up to $250,000 by the NCUA. Have peace of mind that your funds are protected.
Which Account Type is Right for Me?
Flexibility vs. Commitment
- Share Certificates: Require a fixed term commitment
- Performance Plus Money Market Accounts: Offer more flexibility, allowing members to deposit and withdraw funds.
Initial Deposit Requirements
- Share Certificates: Require a $500 minimum deposit to open.
- Performance Plus Money Market Accounts: No minimum deposit requirements, but the bigger you build your savings, the more cash you earn.
Best Use Case
- Share Certificates: Ideal for members who don’t need immediate access to their funds and want to lock in a higher rate for a guaranteed return.
- Performance Plus Money Market Accounts: Perfect for members who need liquidity while still earning a higher interest rate.
Today’s Rates
|
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% |
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Average Daily Balance*** $50,000 – $74,999.99 |
Dividend Rate 1.292% |
Annual Percentage Yield (APY)* 1.30% |
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Average Daily Balance*** $75,000.00 – $99,999.99 |
Dividend Rate 1.292% |
Annual Percentage Yield (APY)* 1.30% |
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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% |
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Average Daily Balance*** $500,000.00 – $999,999.99 |
Dividend Rate 3.203% |
Annual Percentage Yield (APY)* 3.25% |
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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.
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Term 6 Month** |
Dividend Rate 1.195% |
Annual Percentage Yield (APY) 1.20% |
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Term 8 Month*** |
Dividend Rate 3.941% |
Annual Percentage Yield (APY) 4.00% |
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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% |
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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% |
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Term 48 Month |
Dividend Rate 2.722% |
Annual Percentage Yield (APY) 2.75% |
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Term 60 Month |
Dividend Rate 2.722% |
Annual Percentage Yield (APY) 2.75% |