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Deposit Rates
Overview
Rates Effective As Of 3/11/14
Deposit Account Open Online Minimum Balance
To Earn APY
Annual Percentage
Yield (APY)
Minimum
To Open
Direct Checking Plus† Open Now $75,000 and over 0.40% $25
    $25,000 to $74,999.99 0.40% $25
    $10,000 to $24,999.99 0.40% $25
    $2,500 to $9,999.99 0.40% $25
         
Debit Card Checking†† Open Now $.01 to $1,000 1.00% $25
    $1,000.01 to $2,500 0.75% $25
    $2,500.01 to $5,000 0.50% $25
    $5,000.01 and over 0.35% $25
         
Passbook / Statement Savings Open Now $25 0.25% $5*
         
Money Club Share Savings   $5 0.25%

$5

         
IRA Savings   $25 0.25% $25
         
High Yield Savings   $150,000 and over 0.40% $25,000
    $75,000 to $149,999.99 0.40% $25,000
    $50,000 to $74,999.99 0.40% $25,000
    $25,000 to $49,999.99 0.40% $25,000
    $25 to $24,999.99 0.25% $25,000
         
High Yield Money Market   $75,000 and over 0.40% $10,000
    $35,000 to $74,999.99 0.40% $10,000
    $10,000 to $34,999.99 0.40% $10,000
         
Statement Money Market Open Now $10,000 and over 0.40% $2,500
(Money Market Savings)   $2,500 to $9,999.99 0.40% $2,500
    $25 to 2,499.99 0.25% $2,500
         
Deposit Account Open Online Minimum Balance
To Earn APY
Annual Percentage
Yield (APY)
Minimum
To Open
Business High Yield   $100,000 and over 0.45% $2,500
Savings   $50,000 to $99,999.99 0.45% $2,500
    $10,000 to $49,999.99 0.45% $2,500
    $2,500 to $9,999.99 0.45% $2,500
         
Business Statement Savings   $25 0.25% $5*
         
Deposit Account Open Online Term Annual Percentage
Yield (APY)
Minimum
To Open
Certificate Of Deposit Open Now 3 month** 0.50% $1,000
  Open Now 6 month** 0.50% $1,000
    9 month** 0.50% $1,000
  Open Now 12 month 0.50% $1,000
    18 month 0.50% $1,000
  Open Now 24 month Bump-Up*** 1.05% $1,000
  Open Now 36 month Bump-Up*** 1.00% $1,000
    48 month Bump-Up*** 1.00% $1,000
  Open Now 60 month Bump-Up*** 1.25% $1,000
         
Deposit Account Open Online Term Annual Percentage
Yield (APY)
Minimum
To Open
IRA Certificate Of Deposit   3 month** 0.50% $500
    6 month** 0.50% $500
    9 month** 0.50% $500
    12 month 0.50% $500
    18 month 0.50% $500
    24 month Bump-Up*** 1.05% $500
    36 month Bump-Up*** 1.00% $500
    48 month Bump-Up*** 1.00% $500
    60 month Bump-Up*** 1.25% $500

 

Minimum daily balance (in minimum to open amounts stated above) is required to earn Annual Percentage Yield (APY) on all accounts, except as otherwise indicated below.

 

†Direct deposit required; otherwise $10 monthly service charge. Fees could reduce earnings.

 

††Minimum of 12 non-ATM Debit Card Transaction per month; otherwise $10 monthly service charge. Fees could reduce earnings.

 

*Share Savings Account, minimum daily balance of $25.00 to earn APY. For all other accounts, except Direct Checking Plus, Money Market, High Yield Savings and Business High Yield Savings accounts, minimum daily balance to earn APY is the same as the minimum to open.

 

**Interest calculation for the 3, 5, 6, 8 and 9-month certificates of deposit is based upon simple interest. All other certificates of deposit products are compounded daily.

 

***Bump-Up CDs/IRA CDs: The Bump-Up option may be exercised by CD account holder one time only during the original CD term to obtain a future advertised APY. The "Bump-Up" APY will be effective for the remaining term of the original CD.

 

Early withdrawal penalties for CD accounts. If your account has an original maturity of one year or less: The penalty we may impose will equal three months interest on the amount withdrawn subject to penalty. If your account has an original maturity of more than one year: The penalty we may impose will equal six months interest on the amount withdrawn subject to penalty.

 

In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

 

Fees may reduce account earnings.

 

Rates are subject to change without notice.

 

 

 

Product Specials
 
ncua Your savings federally insured to at least $250,000 and backed by
the full faith and credit of the United States Government. National
Credit Union Administration, a U.S. Government Agency.
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Pawtucket Credit Union is an Affirmative Action / Equal Opportunity Employer.
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