A Quick Guide to Your Rates
Take a look at the Annual Percentage Yields (APY) by account type. As you check your account type, keep the following information in mind:
The dividend rates and annual percentage yields (APY) may change at any time after account opening, as determined by the credit union board of directors.
Certificate rates are locked in for the term selected for each specific certificate.
Fees posted to accounts could reduce earnings on the account.
Rates are reflected as of 11-21-2024 and are accurate as of the last dividend declaration date.
Open New Accounts, Club Accounts, Certificates and other account options by stopping in to any CSE office, or calling 330.452.9801.
Account Rates
| Account Type | Minimum Balance Required to Earn Dividends | APY |
|---|---|---|
| Regular Share (Savings) | Average daily balance of $100 | 0.10% |
| Youth Share Accounts (M3/Elements Savings) | Average daily balance of $5 | 0.20% |
| Special Share (Secondary Savings) | Average daily balance of $100 | 0.10% |
| Christmas Club | Average daily balance of $100 | 0.15% |
| Travel Club | Average daily balance of $100 | 0.15% |
| Money Management ($1,000 - $24,999.99) | Average daily balance of $1,000 | 1.00% |
| Money Management ($25,000 - $49,999.99) | Average daily balance of $25,000 | 1.50% |
| Money Management ($50,000 - $149,999.99) | Average daily balance of $50,000 | 2.50% |
| Money Management (Greater than $150,000) | Average daily balance of $150,000 | 3.50% |
| IRA Share Account | Average daily balance of $100 | 0.10% |
| Health Savings Account (HSA) | Average daily balance of $100 | 1.01% |
Certificate Rates
Special Certificates
| Term Type/Length | Minimum Balance Required to Open Account and Earn Dividends | APY |
|---|---|---|
| 12 Month - “Boost” Youth Certificate** | Balance of $50 | 4.50% |
| 12 Month - Health Savings Account (HSA) Certificate** | Balance of $500 | 4.50% |
"Boost" Youth Certificate is for members of CSE who are younger than 18.
Certificates Less Than $10,000**
| Term Type/Length | Minimum Balance Required to Open Account and Earn Dividends | APY |
|---|---|---|
| 3 Month Term Share Certificate | Balance of $500 | 3.00% |
| 6 Month Term Share Certificate | Balance of $500 | 4.60% |
| 12 Month Term Share Certificate | Balance of $500 | 4.40% |
| 18 Month Term Share Certificate | Balance of $500 | 4.00% |
| 24 Month Term Share Certificate | Balance of $500 | 3.90% |
| 30 Month Term Share Certificate | Balance of $500 | 3.75% |
| 36 Month Term Share Certificate | Balance of $500 | 3.50% |
| 48 Month Term Share Certificate | Balance of $500 | 3.50% |
| 60 Month Term Share Certificate | Balance of $500 | 3.50% |
| 72 Month Term Share Certificate | Balance of $500 | 3.60% |
| 84 Month Term Share Certificate | Balance of $500 | 3.70% |
Certificates More Than $10,000**
| Term Type/Length | Minimum Balance Required to Open Account and Earn Dividends | APY |
|---|---|---|
| 3 Month Term Share Certificate | Balance of $10,000 | 3.00% |
| 6 Month Term Share Certificate | Balance of $10,000 | 4.60% |
| 12 Month Term Share Certificate | Balance of $10,000 | 4.50% |
| 18 Month Term Share Certificate | Balance of $10,000 | 4.10% |
| 24 Month Term Share Certificate | Balance of $10,000 | 4.00% |
| 30 Month Term Share Certificate | Balance of $10,000 | 3.85% |
| 36 Month Term Share Certificate | Balance of $10,000 | 3.60% |
| 48 Month Term Share Certificate | Balance of $10,000 | 3.60% |
| 60 Month Term Share Certificate | Balance of $10,000 | 3.60% |
| 72 Month Term Share Certificate | Balance of $10,000 | 3.70% |
| 84 Month Term Share Certificate | Balance of $10,000 | 3.80% |
Certificates More Than $100,000**
| Term Type/Length | Minimum Balance Required to Open Account and Earn Dividends | APY |
|---|---|---|
| 3 Month Term Share Certificate | Balance of $100,000 | 3.00% |
| 6 Month Term Share Certificate | Balance of $100,000 | 4.60% |
| 12 Month Term Share Certificate | Balance of $100,000 | 4.60% |
| 18 Month Term Share Certificate | Balance of $100,000 | 4.20% |
| 24 Month Term Share Certificate | Balance of $100,000 | 4.10% |
| 30 Month Term Share Certificate | Balance of $100,000 | 3.95% |
| 36 Month Term Share Certificate | Balance of $100,000 | 3.70% |
| 48 Month Term Share Certificate | Balance of $100,000 | 3.70% |
| 60 Month Term Share Certificate | Balance of $100,000 | 3.70% |
| 72 Month Term Share Certificate | Balance of $100,000 | 3.80% |
| 84 Month Term Share Certificate | Balance of $100,000 | 3.90% |
**Early withdrawal penalties – (a penalty may be imposed for withdrawals before maturity)
- If your certificate has a term of 12 months and under, the early withdrawal penalty we will impose will be 90 days of dividends and may reduce the principal of your certificate
- If your certificate has a term of 13 months to 35 months, the early withdrawal penalty we will impose will be 180 days of dividends and may reduce the principal of your certificate
- If your certificate has a term of 36 months to 60 months, the early withdrawal penalty we will impose will be 365 days of dividends and may reduce the principal of your certificate
- If your certificate has a term of 72 months to 84 months, the early withdrawal penalty we will impose will be 450 days of dividends and may reduce the principal of your certificate
- Fees posted to accounts could reduce the earnings on the account
- Certificate Rates are accurate as of 11-21-2024
IRA Rates
IRAs Less Than $10,000**
| Term Type/Length | Minimum Balance Required to Open Account and Earn Dividends | APY |
|---|---|---|
| 12 Month Fixed IRA | Balance of $500 | 4.40% |
| 18 Month Fixed IRA | Balance of $500 | 4.00% |
| 24 Month Fixed IRA | Balance of $500 | 3.90% |
| 30 Month Fixed IRA | Balance of $500 | 3.75% |
| 36 Month Fixed IRA | Balance of $500 | 3.50% |
| 48 Month Fixed IRA | Balance of $500 | 3.50% |
| 60 Month Fixed IRA | Balance of $500 | 3.50% |
| 72 Month Fixed IRA | Balance of $500 | 3.60% |
| 84 Month Fixed IRA | Balance of $500 | 3.70% |
IRAs More Than $10,000**
| Term Type/Length | Minimum Balance Required to Open Account and Earn Dividends | APY |
|---|---|---|
| 12 Month Fixed IRA | Balance of $10,000 | 4.50% |
| 18 Month Fixed IRA | Balance of $10,000 | 4.10% |
| 24 Month Fixed IRA | Balance of $10,000 | 4.00% |
| 30 Month Fixed IRA | Balance of $10,000 | 3.85% |
| 36 Month Fixed IRA | Balance of $10,000 | 3.60% |
| 48 Month Fixed IRA | Balance of $10,000 | 3.60% |
| 60 Month Fixed IRA | Balance of $10,000 | 3.60% |
| 72 Month Fixed IRA | Balance of $10,000 | 3.70% |
| 84 Month Fixed IRA | Balance of $10,000 | 3.80% |
IRAs More Than $100,000**
| Term Type/Length | Minimum Balance Required to Open Account and Earn Dividends | APY |
|---|---|---|
| 12 Month Fixed IRA | Balance of $100,000 | 4.60% |
| 18 Month Fixed IRA | Balance of $100,000 | 4.20% |
| 24 Month Fixed IRA | Balance of $100,000 | 4.10% |
| 30 Month Fixed IRA | Balance of $100,000 | 3.95% |
| 36 Month Fixed IRA | Balance of $100,000 | 3.70% |
| 48 Month Fixed IRA | Balance of $100,000 | 3.70% |
| 60 Month Fixed IRA | Balance of $100,000 | 3.70% |
| 72 Month Fixed IRA | Balance of $100,000 | 3.80% |
| 84 Month Fixed IRA | Balance of $100,000 | 3.90% |
**Early withdrawal penalties – (a penalty may be imposed for withdrawals before maturity)
- If your certificate has a term of 12 months and under, the early withdrawal penalty we will impose will be 90 days of dividends and may reduce the principal of your certificate
- If your certificate has a term of 13 months to 35 months, the early withdrawal penalty we will impose will be 180 days of dividends and may reduce the principal of your certificate
- If your certificate has a term of 36 months to 60 months, the early withdrawal penalty we will impose will be 365 days of dividends and may reduce the principal of your certificate
- If your certificate has a term of 72 months to 84 months, the early withdrawal penalty we will impose will be 450 days of dividends and may reduce the principal of your certificate
- Fees posted to accounts could reduce the earnings on the account
- IRA Rates are accurate as of 11-21-2024 .