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Current Savings Rates
NorState Federal Credit Union offers a variety of savings accounts to serve your needs at competitive rates.
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All rates effective as of 12/15/08 |
Share/Savings Rates 
| Dividend |
|
Dividend Rate
|
0.75% |
| Annual Percentage Yield |
0.75% |
| Dividends Compounded |
Monthly |
Dividends Credited |
Monthly |
Dividends Period
|
Monthly |
| Balance Requirements |
|
| Minimum Opening Balance |
$25.00 |
Minimum Required Balance
To Earn Dividends |
0 |
| Balance Method |
Average Daily Balance |
| ACCOUNT LIMITATIONS |
Account transfer limitaions apply |
Share Draft/Checking Rates
| Dividend |
|
Dividend Rate
|
0.00% |
| Annual Percentage Yield |
0.00% |
| Dividends Compounded |
Monthly |
Dividends Credited |
Monthly |
Dividends Period
|
Monthly |
| Balance Requirements |
|
| Minimum Opening Balance |
$0.00 |
Minimum Required Balance
To Earn Dividends |
$0.00 |
| Balance Method |
Average Daily Balance |
| ACCOUNT LIMITATIONS |
Minimum balance required to obtain the Annual Percentage Yeild for the dividend period |
Club Account Rates
| Dividend |
|
Dividend Rate
|
0.75% |
| Annual Percentage Yield |
0.75% |
| Dividends Compounded |
Monthly |
Dividends Credited |
Monthly |
Dividends Period
|
Monthly |
| Balance Requirements |
|
| Minimum Opening Balance |
$0.00 |
Minimum Required Balance
To Earn Dividends |
$0.00 |
| Balance Method |
Average Daily Balance |
| ACCOUNT LIMITATIONS |
Withdrawal from Christmas Club Accounts will require closure of said account. Christmas Accounts are closed on or after October 1 by transfer account. Account transfer limitations apply. |
Money Market /Flex Account Rates
| Dividend |
$1,000.00 to $19,999.99 |
> $20,000 |
Dividend Rate
|
1.10% |
1.25% |
| Annual Percentage Yield |
1.11% |
1.26% |
| Dividends Compounded |
Monthly |
Monthly |
Dividends Credited |
Monthly |
Monthly |
Dividends Period
|
Monthly |
Monthly |
| Balance Requirements |
|
|
| Minimum Opening Balance |
$1,000.00 |
$20,000.00 |
Minimum Required Balance
To Earn Dividends |
$1,000.00 |
$20,000.00 |
| Balance Method |
Average Daily Balance |
Average Daily Balance |
| ACCOUNT LIMITATIONS |
Minimum balance required to obtain the Annual Percentage Yield for the dividend period. Withdrawl, deposit, and transfer limitations apply. |
Minimum balance required to obtain the Annual Percentage Yield for the dividend period. Withdrawl, deposit, and transfer limitations apply. |
IRA Account Rates
| Dividend |
|
Dividend Rate
|
0.75% |
| Annual Percentage Yield |
0.75% |
| Dividends Compounded |
Monthly |
| Dividends Credited |
Monthly |
Dividends
Period
|
Monthly |
| Balance Requirements |
|
| Minimum
Opening Balance |
$0.00 |
Minimum
Required Balance
To Earn Dividends |
$0.00 |
| Balance
Method |
Average
Daily Balance |
| ACCOUNT LIMITATIONS |
Withdrawls
and deposits are subject to Federal Requlations |
Share Certificate Account Rates
| Dividend |
6
Mos |
1 Yr |
18 Mos |
24 Mos |
3 Yrs |
4 Yrs |
5 Yrs |
Dividend Rate
|
2.57% |
3.20% |
3.25% |
3.40% |
3.54% |
3.69% |
3.93% |
| Annual Percentage Yield |
2.60% |
3.25% |
3.30% |
3.45% |
3.60% |
3.75% |
4.00% |
| Dividends Compounded |
Monthly |
Monthly |
Monthly |
Monthly |
Monthly |
Monthly |
Monthly |
Dividends Credited |
Monthly |
Monthly |
Monthly |
Monthly |
Monthly |
Monthly |
Monthly |
Dividends Period
|
Monthly |
Monthly |
Monthly |
Monthly |
Monthly |
Monthly |
Monthly |
| Balance Requirements |
| Minimum Opening Balance |
$1,000.00 |
$1,000.00 |
$1,000.00 |
$1,000.00 |
$1,000.00 |
$1,000.00 |
$1,000.00 |
Minimum Required Balance
To Earn Dividends |
$1,000.00 |
$1,000.00 |
$1,000.00 |
$1,000.00 |
$1,000.00 |
$1,000.00 |
$1,000.00 |
| Balance Method |
Average Daily Balance |
Average Daily Balance |
Average Daily Balance |
Average Daily Balance |
Average Daily Balance |
Average Daily Balance |
Average Daily Balance |
| Transaction Limitations |
Additional Deposits: Not Allowed
|
Dividend Withdrawal: Allowed Monthly
|
Renewal: Automatic
|
IRA Certificate Rates
| Dividend |
6 Mos |
1 Yr |
18 Mos |
24 Mos |
3 Yrs |
4 Yrs |
5 Yrs |
Dividend
Rate
|
2.57% |
3.20% |
3.25% |
3.40% |
3.54% |
3.69% |
3.93% |
| Annual Percentage Yield |
2.60% |
3.25% |
3.30% |
3.45% |
3.60% |
3.75% |
4.00% |
| Dividends Compounded |
Monthly |
Monthly |
Monthly |
Monthly |
Monthly |
Monthly |
Monthly |
Dividends Credited |
Monthly |
Monthly |
Monthly |
Monthly |
Monthly |
Monthly |
Monthly |
Dividends Period
|
Monthly |
Monthly |
Monthly |
Monthly |
Monthly |
Monthly |
Monthly |
| Balance Requirements |
| Minimum Opening Balance |
$1,000.00 |
$1,000.00 |
$1,000.00 |
$1,000.00 |
$1,000.00 |
$1,000.00 |
$1,000.00 |
Minimum Required Balance
To Earn Dividends |
$1,000.00 |
$1,000.00 |
$1,000.00 |
$1,000.00 |
$1,000.00 |
$1,000.00 |
$1,000.00 |
| Balance Method |
Average Daily Balance |
Average Daily Balance |
Average Daily Balance |
Average Daily Balance |
Average Daily Balance |
Average Daily Balance |
Average Daily Balance |
| TRANSACTION LIMITATIONS: |
Additional Deposits: Not Allowed
|
Dividend Withdrawal: Allowed Monthly
|
Renewal: Automatic
|
Wealth Builder Account Certificate Rates
| Minimum Balance |
Rate |
$1.00 to $250.00
|
1-Year Cert. Dividend Rate minus 2.00% |
| $250.01 to $500.00 |
1-Year Cert. Dividend Rate minus 1.50% |
| $500.01 to $750.00 |
1-Year Cert. Dividend Rate minus 1.00% |
| $750.01 to $1,000.00 |
1-Year Cert. Dividend Rate minus 0.50% |
$1,000.01 and up
|
1-Year Cert. Dividend Rate |
| Dividends Compounded |
Monthly |
| Dividends Credited |
Monthly |
| Dividends Period |
Monthly |
| Balance Requirements |
| Minimum Opening Balance |
$0.00 |
Minimum Required Balance
To Earn Dividends |
$1.00 |
| Balance Method |
Average Daily Balance |
| TRANSACTION LIMITATIONS: |
Additional Deposits: Allowed
|
Dividend Withdrawal: Allowed Monthly
|
Renewal: Automatic
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 All member deposit accounts federally insured by NCUA, National Credit Union Administration, to at least $250,000. |
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