Savings/Checking Account Rates
Savings/Checking Account
| Share/Deposit Account Rates |
| Dividends are paid quarterly. Dividends and Annual Percentage Yields are based on the total deposit and calculated on the average daily balance. Dividends are based on a split rate as follows: |
| Balance |
Rate |
APY = Annual Percentage Yield |
| $0 – $999 |
0.05% |
0.05% |
| $1,000 – $9,999 |
0.05% |
0.05% |
| $10,000 – $24,999 |
0.05% |
0.05% |
| $25,000 + |
0.05% |
0.05% |
| Advantage Checking |
| $25 deposit to open with no minimum balance required to maintain the account. Dividends calculated on an average daily balance and paid monthly. |
| Balance |
Rate |
APY = Annual Percentage Yield |
| $0 + |
0.05% |
0.05% |
| Standard Checking |
| $25 deposit to open with no minimum balance required to maintain the account. Dividends calculated on an average daily balance and paid monthly. |
| Balance |
Rate |
APY = Annual Percentage Yield |
| $0 + |
0.00% |
0.00% |
| Holiday Club Account |
| $5 minimum balance requirement. Dividends calculated on an average daily balance and paid quarterly. Dividends are based on a split rate as follows: |
| Balance |
Rate |
APY = Annual Percentage Yield |
| $0 – $249 |
0.30% |
0.30% |
| $250 + |
0.30% |
0.30% |
| Youth Club Account |
| $25 minimum balance to open account |
| Balance |
Rate |
APY = Annual Percentage Yield |
| $25 + |
0.30% |
0.30% |
| Share Certificates* Individual Retirement Account (IRA) Savings** |
| $1,000 minimum deposit required. |
| Term |
Rate |
APY = Annual Percentage Yield |
| 1 Months $7,500 + |
0.10% |
0.10% |
| 3 Months $1,000 + |
1.69% |
1.70% |
| 6 Months $1,000 + |
2.47% |
2.50% |
| 12 Months $1,000 + |
2.81% |
2.85% |
| 18 Months $1,000 + |
2.86% |
2.90% |
| 24 Months $1,000 + |
3.11% |
3.15% |
| 36 Months $1,000 + |
2.96% |
3.00% |
| 48 Months $1,000 + |
3.06% |
3.10% |
| 60 Months $1,000 + |
3.20% |
3.25% |
*Term Certificates dividends are paid quarterly and can be mailed, credited to Share account or compounded to the share certificate. A penalty in the amount equal to 90 days of interest will be charged on all early withdrawals. No additional deposits permitted once the certificate is purchased. When you open a share account with us, you become a member of the credit union. Your deposits are our only source of funding and they are used solely to make loans to other members of the credit union. All members deposits are federally insured to at least $250,000 by the NCUA. Individual Retirement Accounts are insured separately up to $250,000. **$50 minimum deposit required. Dividends are variable and paid quarterly on an average daily balance. Additional deposits are allowed once the account is open. There is an applicable fee for each IRA withdrawal/transfer unless being transferred to another Pacific Transportation Credit Union IRA Account.
| Advantage Money Market Rates |
| $2,500 minimum deposit required. Dividends are paid quarterly on an average daily balance. Dividends earned on balances over $1,000. Limit to six (6) withdrawals per month. No limit on deposits. Overdraft transfers limited to six (6) per month. |
| Amount |
Rate |
APY = Annual Percentage Yield |
| $2,500 – $9,999 |
0.30% |
0.30% |
| $10,000 – $49,999 |
0.30% |
0.30% |
| $50,001 – $99,999 |
0.30% |
0.30% |
| $100,000 + |
0.30% |
0.30% |
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