All Rates Effective - November 1, 2017


Dividend Rates

SHARE AND CERTIFICATE ANNUAL PERCENTAGE YIELDS (APY)

  APY    
Regular Shares .10%    
Holiday and Club Savings .10%    
Youth Savings 1.00% On first $500.00  
Members Plus Checking .05%    
IRA, Roth IRA and Coverdell Education Shares .10%    
IMMA Shares      
Level 1 Balances
under $9,999.99
0.15%    
Level 2 Balances
$10,000 to $24,999.99
0.25%    
Level 3 Balances
$25,000 to $49,999.99
0.30%    
Level 4 Balances
$50,000 to $99,999.99
0.35%    
Level 5 Balances
$100,000 and over
0.40%    
Share Savings Certificates, Traditional IRA Certificates, Roth IRA
and Coverdell Education Certificates:
  MINIMUM DEPOSIT
  $500
APY
$10,000
APY
$25,000
APY

6 Month
(Share Savings Certificate Only)

0.30% 0.45% 0.55%
12 Month 0.45% 0.75% 0.85%
24 Month 0.55% 0.95% 1.05%
36 Month 0.65% 1.15% 1.25%
48 Month 0.85% 1.35% 1.45%
60 Month 1.15% 1.65% 1.75%

Rates are subject to change or withdrawal without notice. Annual Percentage Yields (APYs) are accurate as of the date shown above.

Regular shares: require a minimum deposit of $25. Dividends begin to accrue on all accounts indicated above on both cash and non-cash items (e.g., checks) from the date of deposit. Fees could reduce earnings. Share accounts closed before accrued dividends are credited to it will not be paid accrued dividends.
Members Plus Checking: requires a $100 Deposit minimum at opening and a monthly average daily balance of $1,000 to avoid a $10 monthly account fee. Fees could reduce earnings.
Special Youth Savings: 1.00% APY applies to balances up to $500.00 only and balance over $500.00 will earn the Regular Share Savings rate. The Credit Union Board of Directors will review and adjust the Dividend rate monthly. For current Dividend Rate please refer to the published Dividend rates. Membership eligibility and $25 minimum balance required to maintain a Regular Share savings account. Rate applies only to Dollar Dog, Cha-Ching, and the edge youth savings accounts.
Insured Money Management Accounts: require an initial deposit of $10,000. Dividends are calculated from the Date of Deposit to the Date of Withdrawal and are compounded and credited monthly. Fees could reduce earnings.
Share Savings Certificates: require a minimum deposit as indicated above. Fees could reduce earnings. There is a substantial penalty for early withdrawal from a share savings certificate. A 30 DAY DIVIDEND PENALTY applies to 6 Month Share Savings Certificates. A 90 DAY DIVIDEND PENALTY applies to all other Share Savings Certificates.
Exceptions from the early withdrawal penalty include:
*Account owner dies or is declared legally incompetent
*IRA accounts where the owner is 59 1/2 or older or permanently disabled
All Annual Percentage Yields: (APYs) are based on monthly compounding and crediting of dividends. Dividends must remain on deposit for the entire term in order to earn the stated APY. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. USX Federal Credit Union membership is required.
Funds are insured to $250,000 and tax deferred deposits to $250,000 by the National Credit Union Share Insurance Fund. Accounts can be structured to provide higher levels of Federal Insurance depending on a member's financial situation. Current rates can be obtained by calling (888) 219-3159.

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