Dividend Rates


SHARE AND IRA CERTIFICATE YIELDS - Effective January 24, 2018

AMOUNT $500-Over

Div Rate

APY*

182 DAYS

0.80

0.80

365 DAYS

1.00

1.00

730 DAYS

1.40

1.41

1095 DAYS

1.60

1.61

1825 DAYS

1.95

1.96

Div Rate=Dividend Rate   |   APY=Annual Percentage Yield

Certificates are automatically renewable

Penalty for early withdrawal:

  • 90 days interest on original maturity of 364 days or less
  • 120 days interest on original maturity of 365 days or more issued prior to 5-15-02.
  • 180 days interest on original maturity of 365 days or more issued on 5-15-02 or after.

Dividends paid quarterly - by check, deposit to shares or compounded back to certificate

Dividends will be paid during grace period if certificate is not renewed
*Annual Percentage Yield (APY) computed by compounding dividends quarterly
Rates subject to change without prior notice.

SHARES, YOUTH, CLUB, VACATION & CHRISTMAS ACCOUNT YIELDS
Effective February 1, 2013 Div Rate APY**
$25 to $2999 0.15% 0.15%
$3000 - over 0.20% 0.15-0.20%
Div Rate=Dividend Rate | APY=Annual Percentage Yield

Dividends paid monthly, computed on avg. daily balance per tier
Dividends are not paid on balances less than $25
**Annual Percentage Yield (APY) computed by compounding dividends monthly

MONEY MARKET YIELDS
Effective February 1, 2018 Div Rate APY**
$2,500 to $24,999 0.40% 0.40%
$25,000 - over 0.45% 0.40%-0.45%
Div Rate=Dividend Rate | APY=Annual Percentage Yield

Minimum balance of $2,500.00 is required
Dividends paid monthly, computed on avg. daily balance
Three free withdrawals monthly. $15.00 fee for each withdrawal over 3 per month. 
**Annual Percentage Yield (APY) computed by compounding dividends monthly

IRA YIELDS
Effective February 1, 2018 Div Rate APY**
All Balances 0.30% 0.30%
Div Rate=Dividend Rate | APY=Annual Percentage Yield

Dividends paid monthly, computed on avg. daily balance
Dividends are not paid on balances less than $25
**Annual Percentage Yield (APY) computed by compounding dividends monthly

Div Rate=Dividend Rate | APY=Annual Percentage Yield
SHARE DRAFT YIELDS
Effective June 1, 2001 Div Rate APY**
All Balances No Dividends N/A

Dividends paid monthly, computed on avg. daily balance per tier
*If avg. daily balance is greater than $1000 than dividends will be paid starting on $.01. 
**Annual Percentage Yield (APY) computed by compounding dividends monthly

NOTE:
The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

NOTE:
This is not intended as any form of advertisement or disclosure under Truth in Savings. 
Call EquiShare Credit Union for full disclosures and current yields at 316-263-6171.