Rates effective January 25, 2021.
Term |
Minimum Balance |
Dividend Rate |
APY |
Star Member Dividend Rate |
Star Member APY |
60 months |
$500 |
0.50% |
0.50% |
0.55% |
0.55% |
48 months |
$500 |
0.45% |
0.45% |
0.50% |
0.50% |
36 months |
$500 |
0.40% |
0.40% |
0.45% |
0.45% |
24 months |
$500 |
0.25% |
0.25% |
0.30% |
0.30% |
12 months |
$500 |
0.15% |
0.15% |
0.20% |
0.20% |
6 months |
$500 |
0.10% |
0.10% |
0.15% |
0.15% |
3 months |
$500 |
0.05% |
0.05% |
0.10% |
0.10% |
APY=Annual Percentage Yield. Dividends are compounded and credited quarterly. A penalty may be charged for Certificate early withdrawal.
Star Members: Star Members are eligible to receive a 0.05% APY higher than Regular and IRA Certificates of the same type and term. To receive the adjusted APY, the member needs to speak to an Educational Systems FCU employee. A Star Member is a member who has a total of $25,000 in combined deposits and/or loans. Business and Association accounts are not eligible for the Star Member Program.