Savings Rates

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Money Market Index

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Tier	Dividend Rate	APY¹
Under $2,500	None Paid	None Paid
$2,500 to $24,999.99	0.05%	0.05%
$25,000 or more	0.05%	0.05%

Money Market Savings

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Tier	Dividend Rate	APY¹
Under $2,500	None Paid	None Paid
$2,500 - $9,999.99	0.05%	0.05%
$10,000 - $24,999.99	0.05%	0.05%
$25,000 - $49,999.99	0.05%	0.05%
$50,000 - $89,999.99	0.05%	0.05%
$90,000 - $499,999.99	0.05%	0.05%
$500,000 or more	0.05%	0.05%

Primary Savings

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Tier	Dividend Rate	APY¹
Under $50	None Paid	None Paid
$50 or more	0.05%	0.05%

Special Savings

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Tier	Dividend Rate	APY¹
Under $50	None Paid	None Paid
$50 or more	0.05%	0.05%

Smart Savings

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Tier	Dividend Rate	APY¹
Under $1,000	None Paid	None Paid
$1,000 or more	0.05%	0.05%

¹APY = Annual Percentage Yield. Dividend rates and APYs are accurate as of 04/30/2026. Fees may reduce dividends. Rates are variable and may change at any time.

PAYMENT OF DIVIDENDS: The frequency and conditions upon which dividends are paid on all accounts are in accordance with the bylaws of this credit union, California law, and the Truth-in-Savings Act and Regulations. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. For all dividend-bearing accounts, dividends will be compounded monthly and will be credited monthly. The dividend period is monthly; for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example is January 31. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account if deposited before the close of business.

EARLY WITHDRAWAL PENALTIES: A penalty equal to 90 days’ dividends on the amount withdrawn for certificates with an original maturity of six months or less will be imposed. A penalty equal to 180 days’ dividends on the amount withdrawn for certificates with an original maturity greater than six months to 24 months will be imposed. A penalty equal to 365 days’ dividends on the amount withdrawn for certificates with an original maturity greater than 24 months will be imposed.

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