ORIGINAL/REGULAR (minimum $5.00 to open)
Share Type  Dividend Rate APY
Share Account 0.10% 0.10%
CLUB ACCOUNTS
Share Type Dividend Rate APY
Holiday (November 1 transfer) .50% .50%
Vacation (May 1 transfer) .50% .50%
Back to School (August 1 transfer) .50% .50%
Dividends will be compounded and credited monthly on balances of $100.00 or greater.                                                                                                                     A penalty may be imposed for early withdrawals.
SHARE CERTIFICATES ACCOUNT
Term Dividend Rate APY
3 Month 1.00% 1.01%
6 Month Special* 5.01% 5.10%
Minimum deposit $500.00
12 Month Special** 3.94% 4.00%
18 Month 1.96%  1.98%
24 Month 2.11% 2.13%
Minimum Deposit $1000.00
30 Month 2.16% 2.18%
36 Month 2.16% 2.18%
48 Month 2.21% 2.23%
60 Month 2.25% 2.28%
Minimum Deposit $2500.00
Dividends will be compounded and credited quarterly. The Annual Percentage Yield (APY) disclosed assumes that dividends remain in the account until maturity. Any withdrawal will reduce earnings. A penalty may be imposed for early withdrawals. *6 Month Special minimum deposit $1000, effective 08/28/2023. **12 Month Special effective 07/31/2023.
IRA SHARE ACCOUNT
Ira Type Dividend Rate APY
Roth/ Traditional or Educational .35% .35%
Dividends will be compounded and credited monthly on the average daily balance.                                                                                                                      Please contact OCCU for other terms and conditions on these accounts.
DIVIDEND SHARE DRAFT/CHECKING ACCOUNT
Dividend Amount Dividend Rate APY
$0-$1,000 0.00% 0.00%
$1,000.01-$2,500 0.02% 0.02%
$2,500.01-$5,000 0.04% 0.04%
$5,000.01-$10,000 0.06% 0.06%
$10,000.01+ 0.08% 0.08%
Dividends will be compounded and credited monthly on the average daily balance.

 

*APY= Annual Percentage Yield.
*Rates effective 02.20.2023. Dividend Rates and Annual Percentage Yields are subject to change without notice.
*Membership eligibility required

NCUA