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Account Rates

Checking

Table data for 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

Table data for Savings Rates
 Rates effective 07-20-2018
Minimum Balance Compounded / Paid Annual Percentage Yield (APY)1 Alert Me
Daily Share $25+ Monthly .05% Receive a notification when this rate changes
Bengal Share $25+ Monthly .05% Receive a notification when this rate changes
Medical Savings $25+ Monthly .05% Receive a notification when this rate changes
Christmas Club $25+ Monthly .05% Receive a notification when this rate changes
IRA/Coverdell Savings $25+ Monthly 0.15% Receive a notification when this rate changes
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

Table data for Share/IRA Certificates
 Rates effective 07-20-2018
Deposit Amount Term Compounded/ Paid Annual Percentage Yield (APY)1 Alert Me
$500 + 3 Months Monthly/Monthly 0.15% Receive a notification when this rate changes
6 Months 0.40% Receive a notification when this rate changes
12 Months 0.70% Receive a notification when this rate changes
18 Months 1.00% Receive a notification when this rate changes
24 Months2 2.40%2 Receive a notification when this rate changes
30 Months 1.35% Receive a notification when this rate changes
36 Months 1.50% Receive a notification when this rate changes
48 Months 1.75% Receive a notification when this rate changes
60 Months 2.15% Receive a notification when this rate changes
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 7/02/2018 through 8/31/2018. 2.40% APY refers to the 24-month CD term on balances of $500 or more. Rates subject to change. Other terms and rates available. No institutional deposits, new money is required. Penalty for early withdrawal. Offer available on personal accounts only. Offer not available with any other rate increases or promotional rates. Certain membership qualifications may apply.

Table data for Rewards CD Rates
 
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% Receive a notification when this rate changes
6 Mo. 0.40% 0.65% Receive a notification when this rate changes
12 Mo. 0.70% 0.95% Receive a notification when this rate changes
18 Mo. 1.00% 1.25% Receive a notification when this rate changes
24 Mo. 1.15% 1.40% Receive a notification when this rate changes
30 Mo. 1.35% 1.60% Receive a notification when this rate changes
36 Mo. 1.50% 1.75% Receive a notification when this rate changes
48 Mo. 1.75% 2.00% Receive a notification when this rate changes
60 Mo. 2.15% 2.40% Receive a notification when this rate changes
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

Table data for Money Market Savings
 Rates effective 07-20-2018
Minimum Balance Compounded/Paid Annual Percentage Yield (APY)1 Alert Me
Money Market Savings $25- $2,499 Monthly/Monthly 0.00% Receive a notification when this rate changes
$2,500 + Monthly/Monthly 0.15% Receive a notification when this rate changes
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