Account Rates

Checking

Checking Rates

  •  06/01/2016
Minimum Balance Compounded / Paid Annual Percentage Yield (APY)1 Monthly Due Alert Me
REWARDS Plus Checking $0.01-$20,0002 Monthly 2.50% $3
$20,000+2 Monthly 0.25%
If qualifications not met3 Monthly 0.01%
Senior Checking $25.00 Monthly/Monthly 0.01% $3
Basic Checking $25.00 N/A 0.00% $0
Youth Debit Account $25.00 N/A 0.00% $0
Money Market Checking $2,500 + Monthly 0.15% $6.50 (Fee waived with $2,500 daily balance)
Share rates effective 07/01/2017 Money Market Rates effective 7/01/2017. The dividend rate and annual percentage yield may change at any time, as determined by the ISU Credit Union Board of Directors. A list of terms and conditions which apply to the above accounts is available at the Credit Union. Fees could reduce the earnings on the accounts. ISU Credit Union attempts to update rates immediately whenever a change occurs; however, the listed rates are not guaranteed accurate.
  • 1APY = Annual Percentage Yield
  • 2Annual Percentage Yield (APY). Account balances over $20,000 will be paid 0.25% APY on the balance over $20,000. A “qualification cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Accounts which do not meet the three monthly qualifications will earn 0.01% APY on the entire account balance. REWARDS Plus checking is available only on personal accounts.
  • 3Requires monthly qualifications: 12 debit card purchases, a direct deposit or automatic payment, receive electronic statement.

Savings

Savings Rates

  •  Rates effective 07-27-2017
Minimum Balance Compounded / Paid Annual Percentage Yield (APY)1 Alert Me
Daily Share $25+ Monthly .05%
Bengal Share $25+ Monthly .05%
Medical Savings $25+ Monthly .05%
Christmas Club $25+ Monthly .05%
IRA/Coverdell Savings $25+ Monthly 0.15%
Share rates effective 7/01/2017 Money Market Rates effective 7/01/2017.
The dividend rate and annual percentage yield may change at any time, as determined by the ISU Credit Union Board of Directors. A list of terms and conditions which apply to the above accounts is available at the Credit Union. Fees could reduce the earnings on the accounts. ISU Credit Union attempts to update rates immediately whenever a change occurs; however, the listed rates are not guaranteed accurate.
  • 1APY = Annual Percentage Yield

IRA/Certificates

Share/IRA Certificates

  •  Rates effective 07-27-2017
Deposit Amount Term Compounded/ Paid Annual Percentage Yield (APY)1 Alert Me
$500 + 3 Months Monthly/Monthly 0.15%
6 Months 0.40%
12 Months 0.70%
18 Months 1.00%
24 Months 1.15%
30 Months 1.35%
36 Months 1.50%
48 Months 1.75%
60 Months 2.15%
Regulations prohibit payment in excess of earnings. Penalty required for early withdrawal. All rates are subject to change without notice. Fees could reduce the earnings on the accounts. ISU Credit Union attempts to update rates immediately whenever a change occurs; however, the listed rates are not guaranteed accurate.
  • 1APY = Annual Percentage Yield

Rewards CD Rates

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Deposit Amount Term Compound/Paid Annual Percentage Yield (APY)1 Rewards CD .25% (with active Rewards Checking)2 Alert Me
$500 + 3 Mo. Monthly/Monthly 0.15% 0.40%
6 Mo. 0.40% 0.65%
12 Mo. 0.70% 0.95%
18 Mo. 1.00% 1.25%
24 Mo. 1.15% 1.40%
30 Mo. 1.35% 1.60%
36 Mo. 1.50% 1.75%
48 Mo. 1.75% 2.00%
60 Mo. 2.15% 2.40%
Regulations prohibit payment in excess of earnings. Penalty required for early withdrawal. All rates are subject to change without notice. Fees could reduce the earnings on the accounts. ISU Credit Union attempts to update rates immediately whenever a change occurs; however, the listed rates are not guaranteed accurate.
  • 1APY = Annual Percentage Yield
  • 2*Annual Percentage Yield (APY) effective as of 1/17/2017. Available only to members with an active and qualifying REWARDS checking account. The designated REWARDS CD will earn an additional 0.25% APY premium above the normal rate at the time the CD is opened or the REWARDS Checking account is opened. Other terms and rates are available. This account is also eligible for a one-time additional rate bump during the initial term if the REWARDS Checking account is active and qualified. Dividends earned must be deposited into the corresponding REWARDS Checking account each month. Penalty required for early withdrawal.

Money Market Savings

Money Market Savings

  •  Rates effective 07-27-2017
Minimum Balance Compounded/Paid Annual Percentage Yield (APY)1 Alert Me
Money Market Savings $25- $2,499 Monthly/Monthly 0.00%
$2,500 + Monthly/Monthly 0.15%
Share rates effective 7/01/2017. Money Market Rates effective 7/01/2017. The dividend rate and annual percentage yield may change at any time, as determined by the ISU Credit Union Board of Directors. A list of terms and conditions which apply to the above accounts is available at the Credit Union. Fees could reduce the earnings on the accounts. ISU Credit Union attempts to update rates immediately whenever a change occurs; however, the listed rates are not guaranteed accurate.
  • 1APY = Annual Percentage Yield