Altra’s Routing #: 291881216
Rates

Savings & Money Market Rates

Best Life Money Market Rates

Rates current as of December 7, 2018 – subject to change.

Minimum
Balance
Dividend Rate APY*
$0,000-$24,999 0.10 0.10
$25,000-$49,999 0.70 0.70
$50,000-$74,999 0.80 0.80
$75,000-$99,999 0.90 0.90
$100,000-$149,999 1.00 1.00
$150,0000 & over 1.10 1.10

*Best Life Money Market: Annual Percentage Yield (APY) based on average daily balance: 0.70% APY for $25,000-$49,999.99; 0.80% APY for $50,000-$74,999.99; 0.90% APY for $75,000-$99,999.99; 1.00% APY for $100,000-$149,999.99; and 1.10% APY for $150,000 or greater. Accounts that fall below the average daily balance of $25,000 will earn 0.10% APY. Membership eligibility required. One account per member; personal accounts only. Account balance may be added to at any time; no penalty for withdrawal. No checking or direct deposit required. Rates subject to change. Limited time offer. 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. Contact Altra for complete details.

All Money Market, High Rate Savings, and Platinum Checking Accounts earn 0.10% dividend rate with 0.10% APY if balance falls below required minimum. 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.

Club Savings Account Rates

Rates current as of December 7, 2018 – subject to change.

Minimum Balance Dividend Rate APY*
None 0.10 0.10

*APY= Annual Percentage Yield. Rates subject to change.

Health Savings Account (HSA) Rates

Rates current as of December 7, 2018 – subject to change.

 Minimum Balance Dividend Rate APY*
$0-$4,999 0.75 0.75
$5,000 & over 1.00 1.00

*APY= Annual Percentage Yield. Rates subject to change.

High Rate Savings Accounts Rates

Rates current as of December 7, 2018 – subject to change.

Minimum Balance Dividend Rate APY*
$25,000-$74,999 0.50 0.50
$75,000 & over 0.60 0.60

*APY= Annual Percentage Yield. All Money Market, High Rate Savings, and Platinum Checking Accounts earn 0.10% dividend rate with 0.10% APY if balance falls below required minimum. The Dividend Rate and Annual Percentage Yield are the prospective rates and yields Altra anticipates paying for the applicable dividend period. Rates subject to change. Contact Altra for additional account disclosure information.

Indexed Money Market

Rates effective December 7, 2018; subject to change.

Minimum Balance
during the month
Dividend Rate

 

APY*

 

 $0-$249,999  0.10  0.10
 $250,000-$499,999  1.97  1.99
 $500,000-$749,999  2.17  2.19
 $750,000-$999,999  2.56  2.59
 $1,000,000-$3,000,000  2.95  2.99

*APY=Annual Percentage Yield.

Dividends are compounded monthly and paid monthly. The ending balance of the account each day is multiplied by a daily rate (rate divided by the interest base of 365 or 366 days) and then accrues / accumulates until posted. Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account.

For the Altra Indexed Money Market accounts, Federal regulations allow up to six transfers per month.

Applies to non-individuals or entities other than an individual depositor: We may require the governing body of the organization opening the account to give us separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the organization. We may require separate documentation to open an organization account.

If you close your account before dividends are paid, you will not receive the accrued dividends. Please read Altra’s Account Disclosure and Agreement that may also apply to organizational accounts. Available to both Business and Retail Members.

IRA Savings Account Rates

Rates current as of December 7, 2018 – subject to change.

Minimum Balance Dividend Rate APY*
None 0.80 0.80

*APY= Annual Percentage Yield. Rates subject to change.

Platinum Money Market Rates

Rates current as of December 7, 2018 – subject to change.

Minimum Balance Dividend Rate
with Checking*
APY
with Checking*
Dividend Rate
without Checking*
APY
without Checking*
 $35,000-$49,999  0.45  0.45  0.35  0.35
 $50,000-$74,999  0.55  0.55  0.45  0.45
 $75,000-$99,999  0.65  0.65  0.55  0.55
 $100,000-$149,999  0.75  0.75  0.65  0.65
 $150,000 & over  0.85  0.85  0.75  0.75

*APY=Annual 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. Contact Altra for complete details.

All Money Market, High Rate Savings, and Platinum Checking Accounts earn 0.10% dividend rate with 0.10% APY if balance falls below required minimum. 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. Rates subject to change.

Regular / Business Savings Accounts Rates

Rates current as of December 7, 2018 – subject to change.

Minimum Balance Dividend Rate APY*
$5.00 0.10 0.10

*APY= Annual Percentage Yield. Regular/Business Savings – $5 minimum balance in a Regular/Business Savings account is required for all Altra members; this is your ownership share in the Credit Union. Regular/Business Savings account pays dividends quarterly. Rates subject to change.

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