Savings Rates

Savings Rates

Share Savings Accounts

Effective: October 3, 2022
SharesDividend RateAPY*
Primary Savings.02%.02%
IRA Savings.02%.02%
Special Purpose Savings.02%.02%
Loan Payment.02%.02%
Holiday Club.02%.02%
Escrow.10%.10%

To earn dividends, the following minimum balances are required: $100 for Primary Savings, $25 for IRA Savings, Special Purpose Savings and Holiday Club. No minimum balance is required to earn dividends for Loan Payment and Escrow Accounts. Dividend rate may change after the account is opened.

Checking Accounts

Effective: October 3, 2022
AccountTierBalanceDividend RateAPY*
Accelerated CheckingTier 1$0.00 - $5,000.00.02%.02%
 Tier 2$5,000.01 - $10,000.00.03%.03%
 Tier 3$10,000.01 and greater.05%.05%
Advantage Checking.02%.02%

Must maintain an average daily balance of $5,000 in Accelerated Checking and $1,000 in Advantage Checking to avoid a monthly fee. Fees charged will reduce earnings. No minimum balance required to earn dividends on either the Accelerated or Advantage Checking Account. Dividends are earned based on the average daily balance in the account. Dividend rate may change after the account is opened.

Money Market Accounts

Effective: October 3, 2022
AccountTierBalanceDividend RateAPY*
Maxi Money Market **Tier 1$2,500.00 - $9,999.99.10%.10%
 Tier 2$10,000.00 - $24,999.99.15%.15%
 Tier 3$25,000.00 - $49,999.99.20%.20%
 Tier 4$50,000.00 - $99,999.99.30%.30%
 Tier 5$100,000.00 and greater.40%.40%
25 Karat Money Market***Tier 1$0.00 - $49,999.99.35%.35%
 Tier 2$50,000.00 - $99,999.99.45%.45%
 Tier 3$100,000.00 - $199,999.99.55%.55%
 Tier 4$200,000.00 - $299,999.99.65%.65%
 Tier 5$300,000.00 and greater.75%.75%

Dividend rate may change after the account is opened.

Certificate Rates

Share Certificates

Effective: October 3, 2022
TermDividend RateAPY*
3 Months.05%.05%
6 Months.15%.15%
9 Months.25%.25%
SPECIAL: 11 Months*2.469%*2.50%*
12 Months.30%.30%
Jumbo Certificate (12 Months)Call For RateCall For Rate
Save to Win (12 Months).30%.30%
Youth Certificate (12 Months).30%.30%
SPECIAL: 15 Months**2.956%**3.00%**
18 Months.35%.35%
24 Months.45%.45%
36 Months.55%.55%
48 Months.60%.60%
60 Months.70%.70%

A $1,000 minimum balance is required to earn dividends, except for Youth Certificates which is $500, Save to Win Certificates which is $25, and Jumbo Certificates which is $100,000. A certificate dividend penalty will be imposed for early withdrawal and will affect APY*; fees may reduce earnings. Rates are fixed for the term of the share certificate.

*A certificate dividend penalty may be imposed for early withdrawal and may affect APY and reduce earnings on the account. To earn the advertised Annual Percentage Yield, a $1,000 minimum balance is required for a Share Certificate and a $500 minimum balance is required for an IRA Certificate. Certificate Annual Percentage Yield is accurate as of 9/19/2022 and available for a limited time only. Certificate will renew at a 12 month term upon maturity and will earn the 12 Month rate available on that date.
** The 15-month Certificate is exclusively for funds that are new to Dutch Point Credit Union. A certificate dividend penalty may be imposed for early withdrawal and may affect APY and reduce earnings on the account. To earn the advertised Annual Percentage Yield, a $1,000 minimum balance is required for a Share Certificate and a $500 minimum balance is required for an IRA Certificate. Certificate Annual Percentage Yield is accurate as of 9/19/2022. Offer is subject to change without notice and may be withdrawn at any time. Certificate will renew at an 12 month term upon maturity and will earn the 12 month rate available on that date.

IRA Certificates

Effective: October 3, 2022
TermDividend RateAPY*
3 Months.05%.05%
6 Months.15%.15%
9 Months.25%.25%
SPECIAL: 11 Months*2.469%*2.50%*
12 Months.30%.30%
Jumbo IRA Certificate (12 Months)Call For RateCall For Rate
SPECIAL: 15 Months**2.956%**3.00%**
18 Months.35%.35%
24 Months.45%.45%
36 Months.55%.55%
48 Months.60%.60%
60 Months.70%.70%

A $500 minimum balance is required to earn dividends, except for Jumbo IRA Certificates which is $100,000. A certificate dividend penalty will be imposed for early withdrawal and will affect APY*; fees may reduce earnings. Rates are fixed for the term of the IRA certificate.

*A certificate dividend penalty may be imposed for early withdrawal and may affect APY and reduce earnings on the account. To earn the advertised Annual Percentage Yield, a $1,000 minimum balance is required for a Share Certificate and a $500 minimum balance is required for an IRA Certificate. Maximum certificate amount is $250,000. Certificate Annual Percentage Yield is accurate as of 9/19/2022 and available for a limited time only. Certificate will renew at a 12 month term upon maturity and will earn the 12 Month rate available on that date.
** The 15-month Certificate is exclusively for funds that are new to Dutch Point Credit Union. A certificate dividend penalty may be imposed for early withdrawal and may affect APY and reduce earnings on the account. To earn the advertised Annual Percentage Yield, a $1,000 minimum balance is required for a Share Certificate and a $500 minimum balance is required for an IRA Certificate. Maximum certificate amount is $250,000. Certificate Annual Percentage Yield is accurate as of 9/19/2022. Offer is subject to change without notice and may be withdrawn at any time. Certificate will renew at an 12 month term upon maturity and will earn the 12 month rate available on that date.

* ANNUAL PERCENTAGE YIELD
** $2,500 minimum balance required to earn dividends.
*** $25,000 balance required to open account; dividends are earned on $.01 and greater. If the balance falls below $25,000 at any time during the month, a $20 fee will be assessed.

At Dutch Point, it's all about you. We empower you to make financial decisions that are right for you. We pledge to help you meet and exceed your financial goals through all the stages of your life.