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Account Rates

A Quick Guide to Your Rates

Take a look at the annual percentage yields (APY) by account type. As you check your account type, keep the following information in mind:

The dividend rates and annual percentage yields (APY) may change at any time after account opening, as determined by the credit union board of directors.

Certificate rates are locked in for the term selected for each specific certificate.

Fees posted to accounts could reduce earnings on the account.

Rates are reflected as of  10-01-2020 and are accurate as of the last dividend declaration date.

Account Rates

Account TypeMinimum Balance Required to Earn DividendsAPY
Regular Share (Savings)Average daily balance of $1000.10%
Youth Share Accounts (M3/Elements Savings)Average daily balance of $250.20%
Special Share (Secondary Savings)Average daily balance of $50.10%
Christmas ClubAverage daily balance of $50.30%
Travel ClubAverage daily balance of $50.30%
Money Management ($1,000 - $24,999.99)Average daily balance of $1,0000.20%
Money Management ($25,000 - $49,999.99)Average daily balance of $25,0000.23%
Money Management (Greater than $50,000)Average daily balance of $50,0000.28%
IRA Share AccountNo minimum balance0.10%
Health Savings Account (HSA)No minimum balance1.01%

Certificate Rates

Term Type/LengthMinimum Balance Required to Open Account and Earn DividendsAPY
12 Month - “Boost” Youth Certificate**

Balance of $50

0.40%

"Boost" Youth Certificate is for members of CSE who are younger than 18.

 

Certificates Less Than $10,000**

Term Type/LengthMinimum Balance Required to Open Account and Earn DividendsAPY
3 Month Term Share CertificateBalance of $5000.18%
6 Month Term Share CertificateBalance of $5000.23%
12 Month Term Share CertificateBalance of $5000.30%
18 Month Term Share CertificateBalance of $5000.35%
24 Month Term Share CertificateBalance of $5000.40%
30 Month Term Share CertificateBalance of $5000.40%
36 Month Term Share CertificateBalance of $5000.45%
48 Month Term Share CertificateBalance of $5000.50%
60 Month Term Share CertificateBalance of $5000.70%
72 Month Term Share CertificateBalance of $5000.75%
84 Month Term Share CertificateBalance of $5000.90%

Certificates More Than $10,000**

Term Type/LengthMinimum Balance Required to Open Account and Earn DividendsAPY
3 Month Term Share CertificateBalance of $10,0000.18%
6 Month Term Share CertificateBalance of $10,0000.23%
12 Month Term Share CertificateBalance of $10,0000.35%
18 Month Term Share CertificateBalance of $10,0000.40%
24 Month Term Share CertificateBalance of $10,0000.45%
30 Month Term Share CertificateBalance of $10,0000.45%
36 Month Term Share CertificateBalance of $10,0000.50%
48 Month Term Share CertificateBalance of $10,0000.55%
60 Month Term Share CertificateBalance of $10,0000.75%
72 Month Term Share CertificateBalance of $10,0000.80%
84 Month Term Share CertificateBalance of $10,0000.95%

Certificates More Than $100,000**

Term Type/LengthMinimum Balance Required to Open Account and Earn DividendsAPY
3 Month Term Share CertificateBalance of $100,0000.18%
6 Month Term Share CertificateBalance of $100,0000.23%
12 Month Term Share CertificateBalance of $100,0000.40%
18 Month Term Share CertificateBalance of $100,0000.45%
24 Month Term Share CertificateBalance of $100,0000.50%
30 Month Term Share CertificateBalance of $100,0000.50%
36 Month Term Share CertificateBalance of $100,0000.55%
48 Month Term Share CertificateBalance of $100,0000.60%
60 Month Term Share CertificateBalance of $100,0000.80%
72 Month Term Share CertificateBalance of $100,0000.85%
84 Month Term Share CertificateBalance of $100,0001.00%

**Early withdrawal penalties – (a penalty may be imposed for withdrawals before maturity)

  • If your certificate has a term of 12 months and under, the early withdrawal penalty we will impose will be 90 days of dividends and may reduce the principal of your certificate
  • If your certificate has a term of 13 months to 35 months, the early withdrawal penalty we will impose will be 180 days of dividends and may reduce the principal of your certificate
  • If your certificate has a term of 36 months to 60 months, the early withdrawal penalty we will impose will be 365 days of dividends and may reduce the principal of your certificate
  • If your certificate has a term of 72 months to 84 months, the early withdrawal penalty we will impose will be 450 days of dividends and may reduce the principal of your certificate
  • Fees posted to accounts could reduce the earnings on the account
  • Certificate Rates are accurate as of 10-01-2020

IRA Rates

IRAs Less Than $10,000**

Term Type/LengthMinimum Balance Required to Open Account and Earn DividendsAPY
12 Month Fixed IRABalance of $5000.30%
18 Month Fixed IRABalance of $5000.35%
24 Month Fixed IRABalance of $5000.40%
30 Month Fixed IRABalance of $5000.40%
36 Month Fixed IRABalance of $5000.45%
48 Month Fixed IRABalance of $5000.50%
60 Month Fixed IRABalance of $5000.70%
72 Month Fixed IRABalance of $5000.75%
84 Month Fixed IRABalance of $5000.90%

IRAs More Than $10,000**

Term Type/LengthMinimum Balance Required to Open Account and Earn DividendsAPY
12 Month Fixed IRABalance of $10,0000.35%
18 Month Fixed IRABalance of $10,0000.40%
24 Month Fixed IRABalance of $10,0000.45%
30 Month Fixed IRABalance of $10,0000.45%
36 Month Fixed IRABalance of $10,0000.50%
48 Month Fixed IRABalance of $10,0000.55%
60 Month Fixed IRABalance of $10,0000.75%
72 Month Fixed IRABalance of $10,0000.80%
84 Month Fixed IRABalance of $10,0000.95%

IRAs More Than $100,000**

Term Type/LengthMinimum Balance Required to Open Account and Earn DividendsAPY
12 Month Fixed IRABalance of $100,0000.40%
18 Month Fixed IRABalance of $100,0000.45%
24 Month Fixed IRABalance of $100,0000.50%
30 Month Fixed IRABalance of $100,0000.50%
36 Month Fixed IRABalance of $100,0000.55%
48 Month Fixed IRABalance of $100,0000.60%
60 Month Fixed IRABalance of $100,0000.80%
72 Month Fixed IRABalance of $100,0000.85%
84 Month Fixed IRABalance of $100,0001.00%

**Early withdrawal penalties – (a penalty may be imposed for withdrawals before maturity)

  • If your certificate has a term of 12 months and under, the early withdrawal penalty we will impose will be 90 days of dividends and may reduce the principal of your certificate
  • If your certificate has a term of 13 months to 35 months, the early withdrawal penalty we will impose will be 180 days of dividends and may reduce the principal of your certificate
  • If your certificate has a term of 36 months to 60 months, the early withdrawal penalty we will impose will be 365 days of dividends and may reduce the principal of your certificate
  • If your certificate has a term of 72 months to 84 months, the early withdrawal penalty we will impose will be 450 days of dividends and may reduce the principal of your certificate
  • Fees posted to accounts could reduce the earnings on the account
  • IRA Rates are accurate as of  10-01-2020 .
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