Connects FCU deposit accounts are an essential part of your financial portfolio, offsetting riskier uninsured investments. Deposits in your credit union are insured up to $250,000 by the National Credit Union Share Insurance Fund. Rates are analyzed and declared periodically by the Board of Directors without prior notice. Please call for current rates. Fees could reduce earnings on accounts.
Checking
Checking Account Rates
Effective July 1, 2025
| Checking | Details |
| Dividend rate | 0.00% |
| Annual percentage yield | 0.00% |
| Dividends compounded | Monthly |
| Dividends credited | Monthly |
| Dividend period | Monthly |
| Minimum opening deposit | None |
| Average daily balance tiers level required for each rate | None |
| Minimum balance to receive dividend | $100.00 |
| Balance method | Daily balance |
Savings
Regular Share Account Rates
Effective July 1, 2025
| Regular Share Account | Details |
| Dividend rate | 0.05% |
| Annual percentage yield | 0.05% |
| Dividends compounded | Monthly |
| Dividends credited | Monthly |
| Dividend period | Monthly |
| Minimum opening deposit | $5.00 |
| Average daily balance tiers level required for each rate | None |
| Minimum balance to receive dividend | $100.00 |
| Balance method | Daily balance |
Vacation Club Rates
Effective July 1, 2025
| Vacation Club | Details |
| Dividend rate | 0.05% |
| Annual percentage yield | 0.05% |
| Dividends compounded | Monthly |
| Dividends credited | Monthly |
| Dividend period | Monthly |
| Minimum opening deposit | None |
| Average daily balance tiers level required for each rate | None |
| Minimum balance to receive dividend | None |
| Balance method | Daily balance |
Christmas Club Rates
Effective July 1, 2025
| Christmas Club* | Details |
| Dividend rate | 0.05% |
| Annual percentage yield | 0.05% |
| Dividends compounded | Monthly |
| Dividends credited | Monthly |
| Dividend period | Monthly |
| Minimum opening deposit | None |
| Average daily balance tiers level required for each rate | None |
| Minimum balance to receive dividend | None |
| Balance method | Daily balance |
| |
Youth Account Rates
Effective July 1, 2025
| Youth Accounts | Details |
| Dividend rate | 0.05% |
| Annual percentage yield | 0.05% |
| Dividends compounded | Monthly |
| Dividends credited | Monthly |
| Dividend period | Monthly |
| Minimum opening deposit | $5.00 |
| Average daily balance tiers level required for each rate | None |
| Minimum balance to receive dividend | $5.00 |
| Balance method | Daily balance |
Certificates
Share Certificate Details
| Share Certificate Accounts* | Details | |
| Minimum opening balance | $500 (6 month only)
$1,000.00 | |
| Dividends compounded | Quarterly | |
| Dividends credited | Quarterly | |
| Dividend period | Quarterly | |
| Additional deposits | Not allowed | |
| Withdrawals | Dividends only | |
Share Certificate Rates
Effective July 1, 2025
| Term* (%) Fixed | Dividend Rate | Annual percentage yield |
12 Month Special
Min Deposit $10,000 | 4.28% | 4.35% |
18 Month Special
Min Deposit $10,000 | 4.04% | 4.10% |
24 Month Special
Min Deposit $10,000 | 3.70% | 3.75% |
6 months
Min Deposit $500 | 1.00% | 1.00% |
1 year
Min Deposit $1000 | 1.95% | 1.97% |
2 year
Min Deposit $1000 | 2.10% | 2.12% |
3 year
Min Deposit $1000 | 2.59% | 2.62% |
| * A penalty may apply for early withdrawal |
IRAs
IRA Savings Account Rates
Effective July 1, 2025
| IRA Share Account | Rate |
| Dividend rate | 0.50% |
| Annual percentage yield | 0.50% |
| Dividends compounded | Monthly |
| Dividends credited | Monthly |
| Dividend period | Monthly |
| Minimum opening deposit | None |
| Average daily balance tiers level required for each rate | None |
| Minimum balance to receive dividend | None |
| Balance method | Daily balance |
IRA Share Certificate Details
| IRA Share Certificate Accounts*: | Details | |
| Minimum opening balance | $1,000.00 | |
| Dividends compounded | Quarterly | |
| Dividends credited | Quarterly | |
| Dividend period | Quarterly | |
| Additional deposits | Not allowed | |
| Withdrawals | Dividends only | |
IRA Share Certificate Rates
Effective July 1, 2025
| Term (%) Fixed | Dividend rate | Annual percentage yield |
| 6 month | Not applicable | Not applicable |
| 1 year | 1.95% | 1.97% |
| 2 year | 2.10% | 2.12% |
| 3 year | 2.59% | 2.62% |
Money Market
Money Market Account Rates (under $100k)
Effective July 1, 2025
| Money Market* ($2,500.00 - $99,999.99): | Details |
| Dividend rate | 2.25% |
| Annual percentage yield | 2.27% |
| Dividends compounded | Monthly |
| Dividends credited | Monthly |
| Dividend period | Monthly |
| Minimum opening deposit | $2,500.00 |
| Average daily balance tiers level required for each rate | $2,500.00 - $99,999.99 |
| Minimum balance to receive dividend | $100.00 |
| Balance method | Daily balance |
Money Market Account Rates (over $100k)
Effective July 1, 2025
| Money Market* ($100,000.00 - $249,999.99) | Details |
| Dividend rate | 3.25% |
| Annual percentage yield | 3.30% |
| Dividends compounded | Monthly |
| Dividends credited | Monthly |
| Dividend period | Monthly |
| Minimum opening deposit | $2,500.00 |
| Average daily balance tiers level required for each rate | $100,000 -$249,999.99 |
| Minimum balance to receive dividend | $100.00 |
| Balance method | Daily balance |
Money Market Account Rates ($250k and up)
Effective July 1, 2025
| Money Market* ($250,000.00 and up): | Details |
| Dividend rate | 4.25% |
| Annual percentage yield | 4.34% |
| Dividends compounded | Monthly |
| Dividends credited | Monthly |
| Dividend period | Monthly |
| Minimum opening deposit | $2,500.00 |
| Average daily balance tiers level required for each rate | $250,000.00 and up |
| Minimum balance to receive dividend | $100.00 |
| Balance method | Daily balance |
Fees
General Fees
Effective July 1, 2025
| Fee Type | Fee Amount |
| Account history computer printout or copy of statement | $5.00 per month |
| Check Cashing (waived with active Checking, MMA, Certificate, Youth Account Holders, Loan in good standing or at least 25% of the check on deposit) | $5.00 per item |
| Inactive account (no activity for 18 months,excluding under age 18) | $5.00 per month |
| Excessive account number reassignment | $25.00 per occurrence |
| Excessive Withdrawal from Savings/MMA Accounts (after 6 allowed per month) | $3.00 per item |
| Research on account (minimum 1 hour) | $30.00 per hour |
| Invalid Address Fee (resulting in Returned Statement) | $5.00 per statement |
| Return deposit item | $27.00 per item |
| Wire transfer-out (Domestic) | $15.00 per item* |
| Wire transfer-out (International) | $33.00 per item* |
| Reject Wire Transfer | $25.00 per item |
| Credit Union check withdrawal payable to a third party | $3.00 per item* |
| Credit Union Official Check Stop Payment | $30.00 per item |
| Visa Gift Card | $3.00 per item** |
| Reloadable VISA Card | $9.95 per item |
| Money Order | $3.00 per item* |
| Notary Fee (non-member) | $5.00 per item |
| Fax Fee (member) | $0.50 per page |
| Fax Fee (non-member) | $1.00 per page |
| Plastic Card Delivery Rush Fee | $40.00 per item |
| Share/Savings Account balance below $5.00 par value for six months | balance absorbed as fee |
| Christmas Club —early withdrawal penalty | $10.00 and close club account until next year |
| Tax Levy/Garnishments | $50.00 per item |
ACH/EFT (electronic) Fees
| Fee Type | Fee Amount |
| ACH invalid account number | $10.00 per item |
| Paid Overdraft/Uncollected Funds | $30.00 per item |
| Returned NSF/Uncollected Funds | $30.00 per item |
VISA Debit Card ATM Machine Transaction Fees
| Machine Transactions (members uses a PIN) | Fee Amount |
| Connects FCU owned ATM machines | No Charge |
| Service Center owned ATM machines | No Charge |
| NON-owned ATM machines | $1.50 per transaction |
| ATM Surcharge (foreign cards using Connects FCU machines) | $3.00 per transaction |
VISA Debit Card POS Transaction Fees
| POS Transactions | Fee Amount |
| Member uses a PIN as a debit transaction | $1.50 per transaction |
| Member uses card as a credit transaction | No Charge |
| Paid VISA Debit Card Overdraft | $30.00 per item |
| VISA Debit Card replacement card fee | $10.00 per card |
Checking Account Fees
Effective July 1, 2025
| Fee Type | Fee Amount |
| Basic Checking | $0.00 Monthly Service Charge |
| Value Checking*** | $4.95 Monthly Service Charge |
| Choice Checking | $10.95 Monthly Service Charge |
| Paper (mailed) Statement Fee **** | $2.00 Monthly Fee |
| Copy of paid draft/check | $5.00 per item * |
| Paid Overdraft/Uncollected Funds | $30.00 per item |
| Personalized Drafts/Checks (Prestige Accounts receive free Prestige checks) | prices vary according to style |
| Temporary Checks (initial set of 12 starter checks is free) * | $5.00 (1 page of 4) |
| Daily Overdraft Fee (incurred on the 6th consecutive day of a negative balance) | $5.00 incurred daily |
| Returned NSF/Uncollected Funds | $30.00 per item |
| Statement copy | $5.00 per month * |
| Stop Payment request | $30.00 per item |
| Stop Payment Range request | $35.00 per range |
Money Market Account Fees
| Fee Type | Fee Amount |
| Minimum balance violation | $10.00 per occurrence |
| Month-End balance violation | $10.00 per month |
