Consumer Share Rates

Credit Union West Current Share Rates
Consumer Share Rates
Rates Effective: 03/01/2017
Account TypeMinimum Opening Balance to Avoid Service FeeMinimum Balance to Earn Stated APYDividend RateAnnual Percentage Yield (APY)
Membership Share$5$50.01%0.01%
Money Market AccountNone< $2,500
$2,500-$24,999
$25,000-$49,999
$50,000-$74,999
$75,000-$99,999
$100,000 +
0.01%
0.03%
0.05%
0.15%
0.15%
0.15%
0.01%
0.03%
0.05%
0.15%
0.15%
0.15%
Holiday ClubNoneNone0.01%0.01%
Other Share AccountNoneNone0.01%0.01%
IRA SavingsNone$50.20%0.20%
Kasasa Cash Checking® 1N/A≤ $10,000
>$10,000
Requirements Not Met
2.48%
0.05%
0.01%
2.51%
0.05%
0.01%
Consumer Share Rates Certificates
Rates Effective: 03/01/2017
Account TypeDividend RateAPY

Certificate

6 Month
$500-$9,9990.10%0.10%
$10,000-$49,9990.15%0.15%
$50,000+0.20%0.20%
12 Month
$500-$9,9990.20%0.20%
$10,000-$49,9990.25%0.25%
$50,000+0.30%0.30%
24 Month
$500-$9,9990.55%0.55%
$10,000-$49,9990.55%0.55%
$50,000+0.60%0.60%
60 Month
$500-$9,999N/AN/A
$10,000-$49,9991.49%1.50%
$50,000+1.54%1.55%

Youth Certificate

12 Month
$500-$9,999.25%.25%

IRA Certificate

6 Month
$500-$9,9990.25%0.25%
$10,000-$49,9990.40%0.40%
$50,000+0.45%0.45%
12 Month
$500-$9,9990.50%0.50%
$10,000-$49,9990.50%0.50%
$50,000+0.55%0.55%
24 Month
$500-$9,9990.75%0.75%
$10,000-$49,9990.80%0.80%
$50,000+0.85%0.85%
60 Month
$500-$9,999N/AN/A
$10,000 - 49,9991.74%1.75%
$50,000+1.79%1.80%
APY = Annual Percentage Yield · Printed APYs are expected for the month of March · Rates are subject to change by the Board of Directors
Any fees incurred could reduce the earnings on the account. · Penalties may be imposed for early withdrawal of certificate.

1 Kasasa Cash - APY=Annual Percentage Yield. Dividend rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during monthly qualification cycle will automatically be reimbursed up to $4.99 per item to a maximum amount of $25 per month and credited to the account on the last day of monthly statement cycle. ATM receipt(s) must be presented for reimbursement of an individual ATM fee of $5.00 or higher; (2) balances up to and including $10,000 receive an APY of 2.51%; and (3) balances over $10,000 earn 0.05% dividend rate on portion of balance over $10,000, resulting in a range from 2.51% - 0.27% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Qualifying debit card transactions must post and settle to the account during monthly qualification cycle. Debit card transactions may take one or more business days from the date transaction oc - curred to post and settle to the account. Only debit card transactions processed by merchants and received by the credit union as point-of-sale (POS) purchase transactions count toward qualifying debit card transactions. The following activities do not count toward earning account rewards: ATM–processed transactions; transfers between accounts; and debit card transactions processed by merchants and received by the credit union as ATM transactions. “Monthly Qualification Cycle” is based upon the calendar month.