Deposit Rates

Deposit AmountAPY*RateMinimum BalanceComparison-National Avg.
Checking.00%.00%$25
0.00%
Savings/Shares.10%.10%$250.07%
IRA.40%.40%$10000.11%
6 mos CD0.50%0.50%$10000.30%
1 year CD0.60%0.60%$10000.33%
2 year CD0.90%0.90%$10000.45%
3 year CD1.10%1.10%$10000.60%
5 year CD1.35%1.35%$10000.90%
* Annual Percentage Yield. On all savings accounts, other than CDs (Savings Certificates or Certificate of Deposits), the rates above are the dividend rates declared at the end of the last quarter by the Board of Directors. Dividends are paid quarterly and are subject to change at any time.
Savings certificates are subject to Early Withdrawal Penalties as follows:
6 Month Certificate: 90 days of dividend earned if withdrawal is 90 days or more from the date of purchase. If withdrawal is less than 90 days from the date of purchase, the penalty will be the amount earned to date.
12-36 Month Certificate: 180 days of dividend earned if withdrawal is 180 days or more from the date of purchase. If withdrawal is less than 180 days from the date of purchase, the penalty will be the amount earned to date.
48-60 Month Certificate: 365 days of dividend earned if withdrawal is 365 days or more from the date of purchase. If withdrawal is less than 365 days from the date of purchase, the penalty will be the amount earned to date.
How the Penalty Works: The penalty is calculated as a forfeiture of part or all of the dividend that has been earned.

Exceptions to Early Withdrawal Penalties: At our option, we may pay the account before maturity without imposing an early withdrawal penalty if the account owner dies.

Money Market Interest Rates

Deposit AmountRateAPY*Minimum Balance
$100-$999.10%.10%$100
$1000-$24,999.25%.25%$1000
$25,000-$99,000.30%.30%$25,000
$100,000-$199,000.35%.35%$100,000
$200,000 +.40%.40%$200,000
* Annual Percentage Yield. On Money Market Accounts the rates above are the dividends declared at the end of the last quarter by the Board of Directors. Dividends are paid quarterly and are subject to change at any time. The is no early withdrawal penalty on a Money Market Account.

NCUA Logo

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

More information.

Equal Housing Lending logo

Desert Rivers Credit Union is an Equal Housing Lender.

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