Savings

Regular Share Savings

*Balance RangeDividend RateAnnual Percentage Yield
$25 / $100.00*-$2,499.990.05%0.05%
$2,500.00-$9,999.990.05%0.05%
$10,000.00-$24,999.990.10%0.10%
$25,000.00-$49,999.000.10%0.10%
$50,000.00-$99,999.000.15%0.15%
$100,000.00-& OVER0.15%0.15%
Regular share accounts must have a minimum balance of $100.00 to earn dividends, except for those 17 years of age and under. The above rates are variable, subject to change without notice, and are the anticipated rates and annual percentage yields for the current dividend period.
Current as of October 4th, 2024

Club Savings

Minimum BalanceDividend RateAnnual Percentage Yield
Christmas Club:$ -0.15%0.15%
Share Draft: $ 2,500.00 0.05%0.05%
IRA Shares:$ 250.000.35%0.35%
Home Buyer$ 250.000.15%0.15%
The above rates are variable, subject to change without notice and are the anticipated rates and annual percentage yields for the current dividend period.
Current as of October 4th, 2024

Money Market

*Balance RangeDividend RateAnnual Percentage Yield
$ 2,500.00 - $ 9,999.99 0.15%0.15%
$ 10,000.00 - $ 24,999.99 0.20%0.20%
$ 25,000.00 - $ 49,999.99 0.20%0.20%
$ 50,000.00 - $ 74,999.99 0.25%0.25%
$ 75,000.00 - $ 99,999.99 0.25%0.25%
$ 100,000.00 -& Over0.30%0.30%
The above rates are variable, subject to change without notice and are the anticipated rates and annual percentage yields for the current dividend period .
Current as of October 4th, 2024

Hi-yield Money Market

*Balance RangeDividend RateAnnual Percentage Yield
$ 25,000.00 - $ 49,999.99 0.25%0.25%
$ 50,000.00 - $ 74,999.99 0.30%0.30%
$ 75,000.00 - $ 99,999.99 0.30%0.30%
$ 100,000.00 -& Over0.35%0.35%
The above rates are variable, subject to change without notice and are the anticipated rates and annual percentage yields for the current dividend period.
Current as of October 4th, 2024

Certificates

Share & IRA Certificate Accounts$1,000 Minimum Balance$10,000 Minimum Balance$100,000 Minimum Balance
RateAPY*RateAPY*RateAPY*
3 Month Certificate1.00%1.00%1.19%1.20%1.19%1.20%
6 Month Certificate1.29%1.30%1.34%1.35%1.34%1.35%
1 Year Certificate1.49%1.50%1.69%1.70%1.69%1.70%
18 Mo. Certificate1.79%1.80%1.88%1.90%1.88%1.90%
2 Year Certificate2.23%2.25%2.47%2.50%2.47%2.50%
3 Year Certificate2.62%2.65%2.72%2.75%2.72%2.75%
4 Year Certificate2.86%2.90%2.96%3.00%2.96%3.00%
5 Year Certificate2.86%2.90%2.96%3.00%2.96%3.00%
Education Savings Accounts (ESA's): $500 minimum deposit: 2 yr - 5 yr. certificates available. Rates listed above.
Current as of October 4th, 2024

Combined Share Insurance Coverages*

Account TypeNCUA CoverageASI CoverageTotal Insured
Individual$250,000$250,000$500,000
Joint$250,000$250,000$500,000
IRA$250,000$250,000$500,000
Prospectors Federal Credit Union reserves the right to make changes at any time without notice as a result of changes in policy, law or regulation. Call the Credit Union for current rates and terms. Federal regulations prohibit payment of dividends in excess of available earnings.

*Example Only
Current as of October 4th, 2024

For more information about share insurance, click here.

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