CHECKING
Effective date: 05/04/18
| CHECKING | |||
| Minimum to Open | Minimum to Earn Dividend | Dividend Rate | APY |
| DirectConnect Checking | |||
| $25 or more | $68 | 0.10% | 0.10% |
| Special Privileges Checking | |||
| $25 or more | $68 | 0.10% | 0.10% |
| Free Incredible Interest Checking* | |||
| $25 or more | $3-$15,000 | 2.97% | 3.01% |
| $15,001 or more | 0.10% | 0.10% | |
| Premium Perks Checking | |||
| $25 or more | $68 – $4,999.99 | 0.10% | 0.10% |
| $5,000 or more | 0.15% | 0.15% | |
| Remarkable Rewards Checking** | |||
| $25 or more | $6 – $25,000 | 1.24% | 1.25% |
| $25,001 or more | 0.25% | 0.25% | |
APY – Annual Percentage Yield. Rates are subject to change and may change without notice. Fees may reduce earnings. Membership requirements apply.
*APY – Annual Percentage Yield. Rates are subject to change and may change without notice. $25.00 minimum to open. To obtain the stated APY the monthly qualifications must be met. Monthly qualifications include: 15 debit card point of sale (POS) transactions must post and settle to your account per monthly qualification cycle (transactions may take up to three (3) business days from the date of the transaction to post and settle), access your account through online banking at least once per qualification cycle, receive your monthly statement electronically, and receive at least one direct deposit or ACH debit monthly. Monthly qualification cycle means: a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to close of the current statement cycle (one day asynchronous – no weekend processing). Balances up to $15,000 receive an APY of 3.01% and balances over $15,000 earn 0.10% on the portion of the balance over $15,000 if qualifications are met. An APY of 0.05% applies to all balances if qualifications are not met. This account may not to be used for commercial purposes and there is a limit of one (1) account per Social Security number. Membership requirements apply.
**(No longer Offered) Deposit Interest rate tiers are as follows: 1.25% APY applies to balances of $.01 – $25,000 and .25% APY applies to balances over $25,000 as long as all qualifications are met per qualification cycle. 0.10% APY applies to all balances if qualifications are not met. Qualifications: must have 10 debit card point of sale transactions post and settle to your account per qualification cycle, receive your monthly statement electronically and receive at least one direct deposit or ACH debit monthly. No minimum balance required. No monthly service charge. Available to personal accounts only. Unlimited ATM fee refunds per cycle when qualifications are met. See an MSR for qualification details.
SAVINGS
Effective date: 05/11/18
| Savings | |||
| Minimum to Open | Minimum to Earn Dividend | Dividend Rate | APY |
| Club Accounts | |||
| $25 or more | $68 | 0.10% | 0.10% |
| Regular Savings | |||
| $25 or more | $68 | 0.10% | 0.10% |
| A+ Savings | |||
| $25 or more | $68 | 0.10% | 0.10% |
| Sterling Set | |||
| $25 or more | $68 – $1,999.99 | 0.10% | 0.10% |
| $2,000 or more | 0.15% | 0.15% | |
| Premium Savings | |||
| $25 or more | $46 – $49,999.99 | 0.15% | 0.15% |
| $50,000 or more | 0.35% | 0.35% | |
| Incredible Interest Savings* | |||
| $25 or more | $7 – $250,000 | 1.00% | 1.00% |
| $250,001 or more | 0.10% | 0.10% | |
| Incredible Interest Money Market Account** | |||
| $25,000 | $27 – $250,000 | 1.50% | 1.51% |
| $250,001 or more | 0.25% | 0.25% | |
| Premium Money Market Account1 | |||
| $1,000 | $68 – $999.99 | 0.10% | 0.10% |
| $1,000 – $9,999.99 | 0.20% | 0.20% | |
| $10,000 or more | 0.25% | 0.25% | |
| VIP Money Market Account2 | |||
| $1,000 | $68 – $24,999.99 | 0.10% | 0.10% |
| $25,000 – $49,999.99 | 0.15% | 0.15% | |
| $50,000 or more | 0.35% | 0.35% | |
APY – Annual Percentage Yield. Rates are subject to change and may change without notice. Fees may reduce earnings. Membership requirements apply.
*APY – Annual Percentage Yield. Rates are subject to change and may change without notice. $25.00 minimum to open. To obtain the stated APY the Incredible Interest Checking monthly qualifications (listed above) must be met. Balances up to $250,000 receive an APY of 1.00% and balances over $250,000 earn 0.10% APY on the portion of the balance over $250,000 if qualifications are met. An APY of 0.05% applies to all balances if qualifications are not met. This account may not be used for commercial purposes and there is a limit one account per Social Security Number. You must have an Incredible Interest Checking account in order to open an Incredible Interest with Savings account. Membership requirements apply.
**APY – Annual Percentage Yield is guaranteed until 12/31/2019. After 12/31/2019, rates are subject to change and may change without notice. A $25,000 minimum is required to open. Balances up to $250,000 receive an APY of 1.51%. Balances over $250,000 earn 0.25% APY on the portion of the balance over $250,000. If average ledger balance falls below $25,000 within a statement cycle, a $30 service charge will be assessed. E-statements are a requirement of the account. Fees may reduce earnings. Membership requirements apply.
1 Monthly service charge of $5 if balance falls below $1,000.
2 Monthly service charge of $10 if balance falls below $10,000.
RELATIONSHIP CD♦ – Also available for IRAs
Effective date: 05/04/18
| RELATIONSHIP SAVINGS CD/IRA | |||
| Minimum to Open and Earn Dividend | Dividend Rate | APY | |
| Term Share Certificates | |||
| 90 Day | $1,000 | 0.65% | 0.65% |
| 6 Month | $1,000 | 1.00% | 1.00% |
| 1 Year | $1,000 | 1.24% | 1.25% |
| 18 Month | $1,000 | 1.98% | 2.00% |
| 2 Year | $1,000 | 1.73% | 1.75% |
| 3 Year | $1,000 | 2.13% | 2.15% |
| 4 Year | $1,000 | 2.23% | 2.25% |
| 5 Year | $1,000 | 2.23% | 2.25% |
| Term Share IRAs | |||
| 1 Year | $1,000 | 1.24% | 1.25% |
| 18 Month | $1,000 | 1.98% | 2.00% |
| 2 Year | $1,000 | 1.73% | 1.75% |
| 3 Year | $1,000 | 2.13% | 2.15% |
| 4 Year | $1,000 | 2.23% | 2.25% |
| 5 Year | $1,000 | 2.23% | 2.25% |
APY – Annual Percentage Yield. Rates are subject to change and may change without notice. An active LCU checking account and e-statements are required to get the relationship CD rate. Active checking account requires direct deposit of your payroll, Social Security, pension, or other regularly occurring income check per statement cycle. Account must be ‘active’ with direct deposit established and e-statements authorized within 30 days of CD opening or rate will revert to standard CD rate. If checking account becomes inactive (e.g. direct deposit or e-statements are discontinued) rate reverts to standard CD rate. Relationship CD rates available on standard CD products only. Special CD products are not eligible for relationship CD rates. You must maintain a minimum daily balance of $1,000.00 (or $25.00 if this is a Daily IRA Savings Account) in your account each day to obtain the disclosed APY. Fees may reduce earnings. Early withdrawal penalties may be imposed. Offer may be withdrawn without notice. Membership requirements apply.
See table below for non-relationship CDs and IRAs.
CD/IRA
| SAVINGS CD/IRA | |||
| Minimum to Open and Earn Dividend | Dividend Rate | APY | |
| Term Share Certificates | |||
| 90 Day | $1,000 | 0.50% | 0.50% |
| 6 Month | $1,000 | 0.75% | 0.75% |
| 1 Year | $1,000 | 0.99% | 1.00% |
| 18 Month | $1,000 | 1.73% | 1.75% |
| 2 Year | $1,000 | 1.59% | 1.60% |
| 3 Year | $1,000 | 1.98% | 2.00% |
| 4 Year | $1,000 | 2.13% | 2.15% |
| 5 Year | $1,000 | 2.13% | 2.15% |
| Term Share IRAs | |||
| 1 Year | $1,000 | 0.99% | 1.00% |
| 18 Month | $1,000 | 1.73% | 1.75% |
| 2 Year | $1,000 | 1.59% | 1.60% |
| 3 Year | $1,000 | 1.98% | 2.00% |
| 4 Year | $1,000 | 2.13% | 2.15% |
| 5 Year | $1,000 | 2.13% | 2.15% |
| Daily IRA Savings Account | $25 | 0.25% | 0.25% |
APY – Annual Percentage Yield. Rates are subject to change and may change without notice. Fees may reduce earnings. Early withdrawal penalties may be imposed. Membership requirements apply.