| BALANCE ($10 MIN.) |
Rate |
APY |
| $10-$2,000 |
0.20% |
0.20% |
| $2,001-$9,999 |
0.30% |
0.30% |
| $10,000-$24,999 |
0.40% |
0.40% |
| $25,000 & Over |
0.50% |
0.50% |
| BALANCE ($10 MIN.) |
Rate |
APY |
| $10-$2,000 |
0.20% |
0.20% |
| $2,001-$9,999 |
0.30% |
0.30% |
| $10,000-$24,999 |
0.40% |
0.40% |
| $25,000 & Over |
0.50% |
0.50% |
| BALANCE ($10 MIN.) |
Rate |
APY |
| $10-$2,000 |
0.20% |
0.20% |
| $2,001-$9,999 |
|
|
| $10,000-$24,999 |
|
|
| $25,000 & Over |
|
|
Interest paid monthly.
When the monthly requirements*** are met you will receive the following interest rate and annual percentage yield: |
| Balance |
Rate |
APY |
| $0-$25,000 |
4.37% |
4.44% |
| $25,000 & Over |
0.30% |
0.30% |
| ***Monthly requirements include: making 10 GPCU VISA check card transactions, receiving GPCU e-statements and logging on to Golden Plains Online. |
| When the monthly requirements*** are not met, you will receive the following interest rate and annual percentage yield: |
| Rate |
APY |
| 0.10% |
0.10% |
| |
Rate |
APY |
| Each day balance is $750 or more |
0.15% |
0.15% |
| Interest is calculated daily and paid weekly. Up to six withdrawals per month. $1,000.00 minimum balance. |
| BALANCE |
Rate |
APY |
| $0-$999 |
0.00% |
0.00% |
| $1,000-9,999 |
0.40% |
0.40% |
| $10,000-$24,999 |
0.55% |
0.55% |
| $25,000 & Over |
0.70% |
0.70% |
| Interest paid monthly. $5.00 service charge if monthly balance falls below $2,500.00. |
| BALANCE |
Rate |
APY |
| $0-$2,499 |
0.00% |
0.00% |
| $2,500-9,999 |
0.35% |
0.35% |
| $10,000-$24,999 |
0.45% |
0.45% |
| $25,000 & Over |
0.55% |
0.55% |
| Interest paid monthly. $5.00 service charge if monthly balance falls below $1,000.00. |
| BALANCE |
Rate |
APY |
| $0-$0999 |
0.15% |
0.15% |
| $1,000-9,999 |
0.35% |
0.35% |
| $10,000-$24,999 |
0.45% |
0.45% |
| $25,000 & Over |
0.55% |
0.55% |
| Term |
Rate |
APY |
| 91 Day |
0.46% |
0.46% |
| 6 Month |
0.81% |
0.81% |
| 12 Month |
1.06% |
1.06% |
| 18 Month |
1.16% |
1.16% |
| 24 Month* |
0.69% |
0.69% |
| 24 Month Variable TBill |
1.05% |
1.05% |
| 30 Month |
1.70% |
1.71% |
| 48 Month |
1.95% |
1.96% |
| 60 Month |
2.14% |
2.16% |
| 36 Month Variable IRA |
1.13% |
1.13% |
| |
|
|
*Security plus certificate allows the option to raise the rate to the current 24 month rate one time during the term with a minimum investment of $2,000.00.
*ADD 1/4% for all Jumbo certificates ($100,000 and over
Maximum Rate increase for any CD/IRA is 1/2% Except 12 Month Which has a 1/4% maximum increase. |
| Term |
Rate |
APY |
| 91 Day |
0.56% |
0.56% |
| 6 Month |
0.91% |
1.01% |
| 12 Month |
1.16% |
1.16% |
| 18 Month |
1.25% |
1.26% |
| 24 Month* |
1.45% |
1.46% |
| 24 Month Variable TBill |
$500 and up |
| 30 Month |
1.80% |
1.81% |
| 48 Month |
2.04% |
2.06% |
| 60 Month |
2.24% |
2.26% |
| 36 Month Variable IRA |
Minimum Deposit $1000.00 |
| Term |
Rate |
APY |
| 91 Day |
0.66% |
0.66% |
| 6 Month |
1.01% |
1.01% |
| 12 Month |
1.25% |
1.26% |
| 18 Month |
1.35% |
1.36% |
| 24 Month* |
1.55% |
1.56% |
| 24 Month Variable TBill |
No tiers |
| 30 Month |
1.90% |
1.91% |
| 48 Month |
2.14% |
2.16% |
| 60 Month |
2.34% |
2.36% |
| 36 Month Variable IRA |
Additional Deposits $500.00 |
Each member account is insured to $250,000 by NCUSIF (National Credit Union Share Insurance Fund). IRA's are insured separately up to $250,000.
PENALTY FOR EARLY WITHDRAWAL OF A CERTIFICATE - The loss of 90 days interest on certificates issued for 12 months or less and the loss of 180 days interest on certificates issued for more than 12 months. There is no penalty for early withdrawal after the death of the owner of any certificate. Early withdrawal penalty on IRA certificates will be waived for members age 59 1/2 or older for taxable withdrawals and periodic payments only. The waiver will not apply to rollover or direct transfer withdrawals.
** LIFE SAVINGS BENEFITS - Matches balance in account up to $2000 for eligible members at no cost as an added benefit according to the following schedule:
| 0 to 6 mos. |
25% |
| 7 mos. to 54 yrs. |
100% |
| 55 yrs. to 59 yrs. |
75% |
| 60 yrs. to 64 yrs. |
50% |
| 65 yrs. to 69 yrs. |
25% |
| 70 and above |
00% |
| Amount paid will double up through age 49. |
|
