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RATES
Savings rates
SAVINGS
Rates
Savings
Effective: May 1, 2024
Dividend Declaration: April 30, 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: May 1, 2024
| Account | Min. Balance* | APY** |
|---|---|---|
| Advantage Checking | $500 | .01% |
| Business Checking | $1,500 | .01% |
Money Market
Effective: May 1, 2024
| Account | Min. Balance* | APY** |
|---|---|---|
|
Access Money Market |
$2,500 - $49,999 | 1.00% |
| $50,000 - $99,999 | 1.25% | |
| Greater than $10,000 | 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: May 1, 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 | 5.00% | .50% | 5.50% | 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: May 1, 2024
Dividend Declaration Date: April 30, 2024
| Term | Min. Balance* | apy** |
|---|---|---|
| 3 Months | $1,000 | 5.00% |
| 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: May 1, 2024
Dividend Declaration Date: April 30, 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.