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The minimum balance requirement to open a certificate is $1,000. The interest rates and Annual Percentage Yields (APYs) are fixed and will be in effect for the term of the certificates. Interest is compounded and paid monthly on all terms. The APYs are based on the assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings. A substantial penalty applies to early withdrawal of principal before maturity. 

*At maturity, this certificate will automatically renew as a regular 24 month term at the rate in effect at that time. Once during the term, you may exchange this APY for the current APY in effect at that time. You may also add any amount to the balance at the same time.

**Minimum $300 to open. For Sand Dollar Savings Club (SDSC) members only. SDSC is designed for children 12 and younger.

Membership eligibility is required. 

Federally insured to at least  $250,000 (IRA accounts insured separately up to $250,000) by NCUA, an agency of the US Government.

Rate information- The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors.
Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month.
Dividend period - For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above, is January 31.
Minimum balance requirements:
SECURITY PLUS MORE ACCOUNT – The minimum balance required to open this account is $2,500.00. You must maintain a minimum average daily balance of $2,500.00 in your account to obtain the disclosed annual percentage yield.
HIGH YIELD MONEY MARKET ACCOUNT –The minimum balance required to open this account is $25,000.00. You must maintain a minimum average daily balance of $25,000.00 in your account to obtain the disclosed annual percentage yield.
PLATINUM MONEY MARKET ACCOUNT –The minimum balance required to open this account is $50,000.00.You must maintain a minimum average daily balance of $50,000.00 in your account to obtain the disclosed annual percentage yield.
Average daily balance computation method - Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Accrual of dividends on non-cash deposits - Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account.
Transaction limitations - The minimum amount you may withdraw is $100.00 per withdrawal. We reserve the right to at any time require not less than seven days notice in writing before each withdrawal. 

The rates for deposit accounts will be provided at the time of membership, at the time of opening a new deposit account, or at any time upon request. Rates may change after account opening

Membership eligibility is required. Federally insured to at least $250,000 (IRA accounts insured separately up to $250,000) by NCUA, an agency of the US Government.