Deposit Rates
Effective January 1, 2020
Savings & Checking Accounts
| Min. Balance to earn dividend | Dividend Rate | APY* | ||
| Regular Share Savings Account ($5.00 min. balance required) | $50.00 and up | 0.10% | 0.10% | |
| IRA Share | $0.00 | 0.35% | 0.35% | |
| Club Accounts (Holiday, Vacation, and Tax) | $0.00 | 0.10% | 0.10% | |
| Dollar Dog Kids Club | $50.00 and up | 0.10% | 0.10% | |
| Cha-Ching Teen Share Savings | $50.00 and up | 0.10% | 0.10% | |
| Share Draft Checking | $0.00 | 0.00% | 0.00% | |
| Cha-Ching Teen Checking | $0.00 | 0.00% | 0.00% | |
| Money Market Accounts | $2,500 – $9,999.99 | 0.10% | 0.10% | |
| $10,000 – $24,999.99 | 0.15% | 0.15% | ||
| $25,000 – $49,999.99 | 0.25% | 0.25% | ||
| $50,000 and up | 0.35% | 0.35% |
Dividends are accrued daily on the daily balance. The rate stated will apply to the entire balance. To be a member and maintain accounts at TruEnergy FCU you must purchase one share in the credit union. The value of one share is $5.00.
*APY - Annual Percentage Yield. All rates subject to change without notice.
Share Certificates
| Term | Dividend Rate | APY* | ||
| 6 Month Share Certificate – Min. Bal. $1000 | 0.40% APR | 0.40% | ||
| 12 Month Share Certificate – Min. Bal. $1000 | 0.75% APR | 0.75% | ||
| 24 Months Share Certificate - Min. Bal. $1000 | 0.95% APR | 0.95% | ||
| 36 Month Share Certificate – Min. Bal. $1000 | 1.25% APR | 1.26% | ||
| 48 Month Share Certificate – Min. Bal. $1000 | 1.50% APR | 1.51% | ||
| 60 Month Share Certificate - Min. Bal. $1000 | 1.50% APR | 1.51% |
*APY - Annual Percentage Yield. All rates subject to change without notice. Early Redemption Penalties: Penalties are imposed for early redemption of certificates. See our Truth in Savings disclosure for details.
IRA Share Certificates
| Term | Dividend Rate | APY* | ||
| 6 Month IRA Share Certificate - Min. Bal. $1000 | 0.40% | 0.40% | ||
| 12 Month IRA Share Certificate - Min. Bal. $1000 | 0.75% | 0.75% | ||
| 24 Month IRA Share Certificate - Min. Bal. $1000 | 0.95% | 0.95% | ||
| 36 Month IRA Share Certificate - Min. Bal. $1000 | 1.25% | 1.26% | ||
| 48 Month IRA Share Certificate - Min. Bal. $1000 | 1.50% | 1.51% | ||
| 60 Month IRA Share Certificate - Min. Bal. $1000 | 1.50% | 1.51% |
*APY - Annual Percentage Yield. All rates subject to change without notice. Early Redemption Penalties: Penalties are imposed for early redemption of certificates. See our Truth in Savings disclosure for details.
Jumbo Share Certificates
| Term | Dividend Rate | APY* | ||
| 6 Month Jumbo Share Certificate - Min. Bal. $100,000 | 0.65% | 0.65% | ||
| 12 Month Jumbo Share Certificate - Min. Bal. $100,000 | 1.00% | 1.00% | ||
| 24 Month Jumbo Share Certificate - Min. Bal. $100,000 | 1.20% | 1.21% | ||
| 36 Month Jumbo Share Certificate - Min. Bal. $100,000 | 1.50% | 1.51% | ||
| 48 Month Jumbo Share Certificate - Min. Bal. $100,000 | 1.75% | 1.76% | ||
| 60 Month Jumbo Share Certificate - Min. Bal. $100,000 | 1.75% | 1.76% |
*APY - Annual Percentage Yield. All rates subject to change without notice. Early Redemption Penalties: Penalties are imposed for early redemption of certificates. See our Truth in Savings disclosure for details.
Jumbo IRA Share Certificates
| Term | Dividend Rate | APY* | ||
| 6 Month Jumbo IRA Share Certificate - Min. Bal. $100,000 | 0.65% | 0.65% | ||
| 12 Month Jumbo IRA Share Certificate - Min. Bal. $100,000 | 1.00% | 1.00% | ||
| 24 Month Jumbo IRA Share Certificate - Min. Bal. $100,000 | 1.20% | 1.21% | ||
| 36 Month Jumbo IRA Share Certificate - Min. Bal. $100,000 | 1.50% | 1.51% | ||
| 48 Month Jumbo IRA Share Certificate - Min. Bal. $100,000 | 1.75% | 1.76% | ||
| 60 Month Jumbo IRA Share Certificate - Min. Bal. $100,000 | 1.75% | 1.76% |
*APY - Annual Percentage Yield. All rates subject to change without notice.
EARLY WITHDRAWAL PENALTY — We may impose a penalty if you withdraw funds from your account before the maturity date. See our Truth in Savings disclosure for details.
Amount of Penalty - For Share Certificate and IRA Share Certificate accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:
Terms of 6 months = 3 months’ dividends
Terms of 1 year = 6 months’ dividends
Terms of 2 years = 1 years’ dividends
Terms of 3 years or longer = 2 years’ dividends
