|Account Type||Rate||APY||Compound Frequency||Minimum to Earn APY||Bank Average APY|
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APY -- Annual Percentage Yield (the yield you earn on a deposit over a year)
If you opened your account before 10/10/2017 and did not convert to our All-In-One Checking product your rate and APY are the same as the first-tier All-In-One Checking rate.
Bank average APY is provided by Datatrac, a research firm that monitors rates from over 20,000 financial institutions.
Checking account dividend rates are based on the credit union’s earnings at the end of the dividend period, and thus cannot be declared in advance.
Savings insured up to $250,000, and Individual Retirement Accounts are separately insured to $250,000, by the National Credit Union Administration, a U.S. government agency. An additional $250,000 of coverage is provided by Excess Share Insurance. Federal regulations prohibit the payment of dividends in excess of available earnings. All dividends are calculated using the actual daily balance method, compounded monthly and paid monthly. Any deposits or withdrawals will affect the actual APY earned. Fees may reduce earnings. These are variable rate accounts; rates are subject to change without notice.
Savings account dividend rates are based on the credit union’s earnings at the end of the dividend period, and thus cannot be declared in advance. On all Andigo money market accounts, you are permitted to make up to six preauthorized, automatic, telephonic, audio response or Internet transfers to another of your accounts, or to the account of any other person or organization, during the calendar month. If you exceed these limitations, your account may be subject to a fee or be closed. In addition, a $10.00 fee may be assessed for each withdrawal in excess of six per calendar month, regardless of type. These withdrawals include preauthorized, automatic, telephonic, audio response, Internet transfers, transfers from your account to pay a loan with us, withdrawals by check made directly to you, in person withdrawals, withdrawals by mail or withdrawals made by ATM. Monthly minimum balance fee of $10 is assessed on account balances less than $2,500. Fees may reduce earnings. These are variable rate accounts; rates are subject to change without notice.