Dividend Rates Chart

APY is the Annual Percentage Yield.

Dividend Terms and Rates Effective January 24, 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+0.05%
Money Market (4)$25,000+0.15%
Money Market (4)$100,000+0.20%

(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 0.75% 0.80% 0.85%
18-23 Months 0.90% 1.15% 1.35%
24-35 Months 0.95% 1.25% 1.40%
36-Month Bump (6) 1.40% 1.50%
36-47 Months 1.25% 1.50% 1.65%
48-59 Months 1.50% 1.85% 2.00%
60-Month Bump (6) 1.95% 2.30%
60-71 Months 2.00% 2.00% 2.35%
72 Months 2.25% 2.35% 2.50%
84-Month Bump (6) 2.45% 2.50%
84 Months 2.35% 2.50% 2.65%

(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.