Dividend Rates Chart

APY is the Annual Percentage Yield.

Dividend Terms and Rates Effective August 13, 2018

Account TypeMinimum Balance RequiredAPY
Share Savings (1)$0.00+0.05%
Share Savings (1)$25,001+0.10%
IRA Savings (1)0.10%
Vacation Club (2)0.10%
Christmas Club (2)0.10%
Checking (3)0.01%
Money Market (4)$1,000+0.10%
Money Market (4)$25,000+0.20%
Money Market (4)$100,000+0.25%

(1) Rates shown are anticipated, paid quarterly and may change quarterly. Minimum balance requirements: $5 to open, $100 to earn dividends (under age 18, $5 to earn dividends).
(2) Rates shown are anticipated, paid annually and may change annually. Minimum balance requirements: $5 to open, $100 to earn dividends (under age 18, $5 to earn dividends).
(3) Rates shown are anticipated, paid monthly. Minimum balance requirements: $0 Min. $25 to open, $500 to earn dividends.
(4) Rates shown are anticipated, paid monthly. Minimum balance requirements:$0 Min. $0 to open, $1,000 to earn dividends.

Share Certificate and IRA Certificate Rates (5) IRA Certificates 12 Months and Longer (Including Bump Rates)

Certificate Length$500.00+
APY
$25,000.00+
APY
$100,000.00+
APY
3-5 Months NON IRA 0.20% 0.25% 0.30%
6-11 Months NON IRA 0.20% 0.35% 0.40%
12-17 Months 1.25% 1.50% 1.75%
18-23 Months 1.50% 1.65% 1.75%
24-35 Months 1.75% 2.00% 2.00%
36-Month Bump (6) 2.75% 2.75%
36-47 Months 2.85% 2.85% 2.85%
48-59 Months 2.95% 2.95% 2.95%
60-Month Bump (6) 2.85% 2.85%
60-71 Months 3.00% 3.00% 3.15%
72 Months 3.15% 3.15% 3.15%
84-Month Bump (6) 3.00% 3.00%
84 Months 3.25% 3.25% 3.25%

(5) Rates fixed at time of investment. Minimum Deposit $500.00. IRA Certificates minimum deposit is $2,500.00. Total share certificates balances qualify for rate. Substantial penalty for early withdrawals. (6) Bump Share Certificate – Member has the option to initiate a rate bump to the OCFCU prevailing rate for that term at any time during the fixed period.