Personal Savings & Checking Account Interest Rates
Savings Account Rates
| Account Type | APY | Current Rate |
|---|---|---|
| Statement Savings | 0.05% | 0.05% |
| IRA Savings | 0.05% | 0.05% |
| Christmas Club | 0.05% | 0.05% |
Rate Information - The interest rate and annual percentage yield may change at any time.
Compounding and crediting - Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is paid, you will not receive the accrued interest.
Minimum balance requirements: The minimum balance required to open this account is $25.00. You must maintain a minimum daily balance of $25.00 in your account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
NOTE: All rates are subject to change without notice. The Annual Percentage Yield (APY) assumes principal and interest will be reinvested at a rate equal to the current rate. Fees may reduce earnings.
| Term | APY | Current Rate |
|---|---|---|
| 5 Month Certificate SPECIAL | 3.50% | 3.44% |
| 6 Month Certificate | 0.45% | 0.45% |
| 10 Month Certificate SPECIAL | 3.90% | 3.83% |
| 1 Year Certificate | 0.80% | 0.80% |
| 14 Month Certificate - NEW MONEY SPECIAL*
*Minimum opening deposit and minimum daily balance to earn the advertised APY: $1,000. New money only. Funds must come from outside Alden Credit Union and must not have been held in any Alden Credit Union account during the 30 calendar days immediately preceding certificate opening. Dividends compound and are credited monthly. Early withdrawal penalties apply. Fees may reduce earnings. Limited-time offer, subject to change or withdrawal without notice prior to account opening. Membership eligibility requirements apply. |
4.25% | 4.17% |
| 18 Month Certificate | 0.65% | 0.65% |
| 36 Month Certificate | 0.80% | 0.80% |
| 5 Year Certificate | 1.16% | 1.15% |
$1,000.00 minimum deposit for a Term Share Certificate
NOTE: All rates are subject to change without notice. The Annual Percentage Yield (APY) assumes principal and interest will be reinvested at a rate equal to the current rate. This account is subject to early withdrawal penalties.
| Balance | APY | Current Rate |
|---|---|---|
| $1,000.00 - $4,999.99 | 0.10% | 0.10% |
| $5,000.00 - $19,999.99 | 0.15% | 0.15% |
| $20,000.00 - $49,999.99 | 0.25% | 0.25% |
| $50,000.00 - $99,999.99 | 0.35% | 0.35% |
| $100,000.00 and over | 0.45% | 0.45% |
Minimum balance requirements: The minimum balance required to open this account is $1,000.00.
You must maintain a minimum daily balance of $1,000.00 in your account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
NOTE: All rates are subject to change without notice. The Annual Percentage Yield (APY) assumes principal and interest will be reinvested at a rate equal to the current rate. Fees may reduce earnings.
| Term | APY | Current Rate |
|---|---|---|
| 5 Month Certificate SPECIAL | 3.50% | 3.44% |
| 6 Month Certificate | 0.45% | 0.45% |
| 10 Month Certificate SPECIAL | 3.90% | 3.83% |
| 1 Year Certificate | 0.80% | 0.80% |
| 14 Month Certificate - NEW MONEY SPECIAL*
* Minimum opening deposit and minimum daily balance to earn the advertised APY: $1,000. New money only. Funds must come from outside Alden Credit Union and must not have been held in any Alden Credit Union account during the 30 calendar days immediately preceding certificate opening. Dividends compound and are credited monthly. Early withdrawal penalties apply. Fees may reduce earnings. Limited-time offer, subject to change or withdrawal without notice prior to account opening. Membership eligibility requirements apply. |
4.25% | 4.17% |
| 18 Month Certificate | 0.65% | 0.65% |
| 36 Month Certificate | 0.80% | 0.80% |
| 5 Year Certificate | 1.16% | 1.15% |
$1,000.00 minimum deposit for a IRA Term Share Certificate
NOTE: All rates are subject to change without notice. The Annual Percentage Yield (APY) assumes principal and interest will be reinvested at a rate equal to the current rate. This account is subject to early withdrawal penalties.
Rate Information - The interest rate and annual percentage yield may change at any time.
Compounding and crediting - Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is paid, you will not receive the accrued interest.
Minimum balance requirements: The minimum balance required to open this account is $25.00. You must maintain a minimum daily balance of $25.00 in your account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Checking Account Rates
| Product | APY | Current Rate |
|---|---|---|
| No Nonsense Plus Checking | 0.05% | 0.05% |
| No Nonsense Business Plus Checking | 0.05% | 0.05% |
NOTE: All rates are subject to change without notice. The Annual Percentage Yield (APY) assumes principal and interest will be reinvested at a rate equal to the current rate. Fees may reduce earnings.
NOTE: All rates are subject to change without notice. The Annual Percentage Yield (APY) assumes principal and interest will be reinvested at a rate equal to the current rate. Fees may reduce earnings.