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Certificate / IRA Certificate Rates

Rates effective April 1, 2014; subject to change.


 Term

Minimum Balance

Dividend
% Rate
w/ Checking**

Annual
% Yield
w/ Checking**

Dividend
% Rate
w/o Checking

Annual
% Yield
w/o Checking 

 60-month

$1,000
1.985 2.00 Checking w/ Direct Deposit required
Checking w/ Direct Deposit required

 48-month

$1,000
$50,000
$100,000

1.145
1.244
1.343

1.15
1.25
1.35
0.648
0.748
0.847
0.65
0.75
0.85

 36-month

$1,000
$50,000
$100,000

1.046
1.145
1.244

1.05
1.15
1.25

0.549
0.648
0.748

0.55
0.65
0.75

 24-month

$1,000
$50,000
$100,000
0.798
0.897
0.996
0.80
0.90
1.00

0.300
0.399
0.499

0.30
0.40
0.50

 18-month

$1,000
$50,000
$100,000
0.698
0.798
0.897
0.70
0.80
0.90
0.200
0.300
0.399
0.20
0.30
0.40

16-month

$1,000 0.996 1.00 Checking w/ Direct Deposit required Checking w/ Direct Deposit required

 12-month

$1,000
$50,000
$100,000
0.499
0.599
0.698
0.50
0.60
0.70

0.250
0.350
0.449

0.25
0.35
0.45

 6-month

$1,000
$50,000
$100,000
0.399
0.499
0.599
0.40
0.50
0.60
0.150
0.250
0.350
0.15
0.25
0.35


6 month term not available on IRA certificates. Penalty may be imposed for withdrawals made before maturity from all Certificates. The Dividend Rate and Annual Percentage Yield are the prospective rates and yields Altra anticipates paying for the applicable dividend period. Contact Altra for additional account disclosure information. For Business Rates visit the Business Rate Page.

**APY­Annual Percentage Yield-based on checking with direct deposit. Rate will revert to "No Checking" APY shown if no direct deposit during a cycle. Penalty for early withdrawals will equal 90 days dividends for terms 12-months and lower, and 180 days dividends for terms over 12-months.

Savings federally insured by NCUA to $250,000 with IRA Savings insured separately for an additional $250,000. Based on account ownership, you may be eligible for more insurance coverage on your savings.

 

Grow Green Youth Certificate

Rates effective April 1, 2014; subject to change.

Term

Minimum Balance

Dividend % Rate

Annual Percentage Yield (APY

Varies*

$25 3.928 4.00

 

  • Available for Youth members age 12-17 only.
  • Term will vary because Certificate maturity date is teen's 18th birthday.
  • Available with $25 minimum balance.
  • Certificate must be in teen’s name; only one certificate per teen can be opened
  • Certificate can be added to at any time, up to the limit of $1,000.

*Penalty of 100% of earned dividends will be imposed for withdrawal before teen’s 18th birthday. Additional Youth Certificates that earn Altra's published Certificate rates can be set up under the Uniform Transfer to Minors Act (UTMA) with no maximum.

 

 

Youth/Student Certificate

Rates effective April 1, 2014; subject to change.

Available for members ages 0-17. $250 minimum balance. Certificate can be added to at any time; Youth Certificates receives same rates and terms as $1,000 minimum balance Certificates.