Dividend Rate Sheet
May 1, 2025
Checking & Savings Accounts
| Item | MINIMUM | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD |
|---|---|---|---|
| FREE Checking | $0.01+ | 0.000% | 0.000% |
| FREE Checking w/ Smart Benefits | $0.01 - $1,000 | 1.884% | 1.900% |
| Interest Bearing Checking | $0.01+ | 0.050% | 0.050% |
| Interest Bearing Checking w/ Smart Benefits | $0.01 - $1,000 | 1.884% | 1.900% |
| Money Market Checking | $0.01 - $2,499.00 | 0.000% | 0.000% |
| Money Market Checking | $2,500.00 - $9,999.99 | 0.100% | 0.100% |
| Money Market Checking | $10,000.00 - $49,999.99 | 0.499% | 0.500% |
| Money Market Checking | $50,000.00 - $99,999.99 | 0.499% | 0.500% |
| Money Market Checking | $100,000.00 + | 0.499% | 0.500% |
| Savings | $0.01 - $99.99 | 0.000% | 0.000% |
| Savings | $100.00 - $9,999.99 | 0.100% | 0.100% |
| Savings | $10,000.00 - $49,999.99 | 0.100% | 0.100% |
| Savings | $50,000.00 - $99,999.99 | 0.100% | 0.100% |
| Savings | $100,000.00 + | 0.100% | 0.100% |
| Money Market Savings | $0.01 - $99.99 | 0.000% | 0.000% |
| Money Market Savings | $100.00 - $49,999.99 | 0.499% | 0.500% |
| Money Market Savings | $50,000 - $99,999.99 | 0.499% | 0.500% |
| Money Market Savings | $100,000.00 - $249,999.9 | 0.499% | 0.500% |
| Money Market Savings | $250,000.00 + | 0.499% | 0.500% |
| Youth Savings (Under 18) | $0.01-$4.99 | 0.000% | 0.000% |
| Youth Savings (Under 18) | $5.00 + | 0.100% | 0.100% |
| Health Savings (must have a HDHP) | $0.01 + | 0.250% | 0.250% |
Dividends calculated daily and paid monthly.
*Members qualify for Smart Benefits by 1. Using eStatements. 2. Using Direct Deposit at least once a month. 3. Using a North Coast Debit or Credit Card at least once a month.
Certificates
| Item | MINIMUM | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD |
|---|---|---|---|
| 12 Month Build a CD | $25 | 3.928% | 4.0000% |
| 12 Month Youth Build a CD (under 18) | $25 | 3.928% | 4.0000% |
| 3 Month Build a CD (SEG & Community Builders) 3 Month Certificate | $250 | 1.490% | 1.5000% |
| 3 Month Certificate | $1,000 | 0.449% | 0.4500% |
| 6 Month Certificate | $1,000 | 4.169% | 4.2500% |
| 12 Month Certificate | $1,000 | 3.928% | 4.0000% |
| 18 Month Certificate | $1,000 | 3.687% | 3.7500% |
| 2-Year Certificate | $1,000 | 3.928% | 4.0000% |
| 3-Year Certificate | $1,000 | 3.687% | 3.7500% |
| 4-Year Certificate | $1,000 | 3.445% | 3.5000% |
| 5-Year Certificate | $1,000 | 3.203% | 3.2500% |
IRA Products
| Item | MINIMUM | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD |
|---|---|---|---|
| Roth IRA / IRA Savings | $250 | 0.100% | 0.1000% |
| 3 Month Roth IRA / IRA Certificate | $250 | 0.449% | 0.4500% |
| 6 Month Roth IRA / IRA Certificate | $250 | 4.169% | 4.2500% |
| 12 Month Roth IRA / IRA Certificate | $250 | 3.928% | 4.0000% |
| 18 Month Roth IRA / IRA Certificate | $250 | 3.687% | 3.7500% |
| 2-Year Roth IRA / IRA Certificate | $250 | 3.928% | 4.0000% |
| 3-Year Roth IRA / IRA Certificate | $250 | 3.687% | 3.7500% |
| 4-Year Roth IRA / IRA Certificate | $250 | 3.445% | 3.5000% |
| 5-Year Roth IRA / IRA Certificate | $250 | 3.203% | 3.2500% |
Dividend rates fluctuate depending on market conditions and are subject to change at any time. Early withdrawal penalties apply to Certificates and IRA Certificates. A term of one year or less is penalized 90 days loss of interest. A term of one to three years is penalized 180 days loss of interest. A term over three years is penalized 1 year loss of interest. Application of these penalties may result in forfeiture of some principal as well as dividends. Accounts are insured up to $250,000 by NCUA. IRA Accounts are insured separately up to $250,000 by NCUA.
CD Accounts will automatically renew for the same like term at the interest rate in effect on the maturity date. A renewal notice will be sent to you at least 20 days prior to maturity. You will have a grace period of 10 calendar days after the maturity date to select a different term or withdraw the funds without being charged an early withdrawal penalty.