RATES

Savings rates

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Savings

Effective: June 3, 2024
Dividend Declaration: May 31, 2024

Account Min. Balance* APY**
Primary Savings $25 .05%
Christmas Club Savings $25 .05%
Vacation Club Savings $25 .05%
Health Savings Account (HSA) $25 .01%
Individual Retirement Account (Share IRA) $250 .05%
Business Savings $1,500 .05%

 

Checking

Effective: June 3, 2024

Account Min. Balance* APY**
Advantage Checking $500 .01%
Business Checking $1,500 .01%

 

Money Market

Effective: June 3, 2024

Account Min. Balance* APY**

 

Access Money Market 
$2,500 - $49,999 1.00%
$50,000 - $99,999 1.25%
Greater than $100,000 1.50%

 

Elevate Money Market 

 

$2,500 - $9,999 3.00%
$10,000 - $14,999 2.50%
$15,000 - $19,999 1.50%
Greater than $20,000 0.05%

 

Limited Time Certificate Bonus

Effective Date: June 3, 2024

Earn more with a .50% rate bump on IRA or Traditional Certificates at Avenir Financial. $1,000 minimum balance to open and funds must be from another financial institution. 
Term Min. Balance* APY** bonus
(new funds)
bonus APY**
(new funds)
upon maturity
converts to
3 Months $1,000 4.50% .50% 5.00% 3 Month certificate
6 Months $1,000 4.75% .50% 5.25% 6 Month certificate
12 Months $1,000 4.50% .50% 5.00% 12 Month certificate
24 Months $1,000 4.25% .50% 4.75% 24 Month certificate
36 Months $1,000 4.00% .50% 4.50% 36 Month certificate
48 Months $1,000 3.75% .50% 4.25% 48 Month certificate
60 Months $1,000 3.50% .50% 4.00% 60 Month certificate

 

Traditional Certificates

Effective Date: June 3, 2024
Dividend Declaration Date: May 31, 2024

Term Min. Balance* apy**
3 Months $1,000 4.50%
6 Months $1,000 4.75%
12 Months $1,000 4.50%
24 Months $1,000 4.25%
36 Months $1,000 4.00%
48 Months $1,000 3.75%
60 Months $1,000 3.50%

 

IRA Certificates

Effective Date: June 3, 2024
Dividend Declaration Date: May 31, 2024

Term Min. Balance* apy**
12 Months $1,000 4.50%
24 Months $1,000 4.25%
36 Months $1,000 4.00%
48 Months $1,000 3.75%
60 Months $1,000 3.50%

*This is the minimum balance required to open an account and the minimum balance to earn the posted Annual Percentage Yield (APY). Dividends are compounded daily and credited monthly. The Dividend Rates and Annual Percentage Yields (APY) are variable rates and subject to change at any time. Dividends cannot be declared in advance. Federally insured by NCUA.

**APY = Annual Percentage Yield. Rates subject to change. Early withdrawal penalty applies to all certificate offerings. Penalty will reduce earnings.