Savings and checking accounts with flexible terms and more.
Savings and Checking Accounts
Effective Date: Wednesday, November 20, 2024
| Account | Rate | APY* |
|---|---|---|
| Savings Account | 0.30% | 0.30% |
| Above Checking | 0.15% | 0.15% |
*APY = Annual Percentage Yield.
Beyond Checking
| Beyond Checking Rates | Rate | APY* |
|---|---|---|
Bonus Rate Tiers** | ||
| Balance up to $15,000.00 | 4.00% | 4.07% |
| Balance over $15,000.00 | 0.50% | 0.50% |
Rate if requirements are not met** | ||
| Base rate on all balances | 0.10% | 0.10% |
*APY = Annual Percentage Yield. Rate may change after the account is opened. Fees could reduce earnings.
+If you do not meet the monthly qualifications, you will be charged a $5 service fee as stated in the Fee Schedule and you will not qualify for ATM surcharge refunds. The monthly qualification cycle is defined as the calendar month.
**Bonus rate requirements per qualification cycle: receive e-statements, one (1) direct deposit or ACH transaction, and 15 debit card transactions of at least $5.00 each that post and clear your account. The Beyond Checking account is a tiered rate account. If you meet the minimum qualification requirements during the monthly qualification cycle, you will earn the first dividend rate and annual percentage yield listed for this account in the Rate Schedule on balances of $15,000.00 or less. You will also earn the second dividend rate and range of annual percentage yields listed for this account on balances over $15,000.00. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle for the Beyond Checking account, the third dividend rate and annual percentage yield listed in the Rate Schedule will apply to the entire balance of your Beyond Checking account. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For Beyond Checking accounts, if you close your account before accrued dividends are credited, you will not receive the accrued dividends. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.
Money Market
Effective Date: Wednesday, November 20, 2024
| Tier | Rate | APYT |
|---|---|---|
| $0.00-999.99 | 0.00% | 0.00% |
| $1,000-$9,999.99 | 0.50% | 0.50% |
| $10,000.00 - $24,999.99 | 0.70% | 0.70% |
| $25,000.00 - $49,999.99 | 0.90% | 0.90% |
| $50,000 - $99,999.99 | 1.10% | 1.11% |
| $100,000+ | 1.30% | 1.31% |
T - Annual Percentage Yield
Certificates
Effective Date: Wednesday, November 20, 2024
| Rate | APYT | |
|---|---|---|
| 6 month | 2.00% | 2.02% |
| 12 month | 2.50% | 2.53% |
| 14 month Special** | 3.97% | 4.04% |
| 24 month | 3.00% | 3.04% |
| 30 month Bump Rate* | 3.50% | 3.56% |
| 36 month | 3.40% | 3.45% |
| 48 month | 3.50% | 3.56% |
| 60 month | 3.60% | 3.66% |
$500 minimum to open Share Certificate. Rates subject to change without notice.
T - Annual Percentage Yield
*The Bump Rate Option allows a member to choose to “bump” their rate one time for the 30 month Share Certificate, if the current rate being offered is higher. Contact Azura Credit Union to activate the bump rate. Each 30 month term has one bump available. The 30 month Bump Rate Share Certificate will automatically renew as another 30 month Bump Rate Share Certificate, unless changes are made during the grace period. Early withdrawal penalty will reduce earnings on the account. Limited time offer. Rates subject to change without notice.
**The 14 Month Special will automatically renew at a standard 12 month term upon maturity. Early withdrawal penalty will reduce earnings on the account. Limited time offer. Rates subject to change without notice.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
IRA
Effective Date: Wednesday, November 20, 2024
| Type | Rate | APYT |
|---|---|---|
| Share Account | 1.00% | 1.01% |
Balances over $100 earn dividends
APYT = Annual Percentage Yield.
IRA Certificate Rates
Certificates
Effective Date: Wednesday, November 20, 2024
| Rate | APYT | |
|---|---|---|
| 6 month | 2.00% | 2.02% |
| 12 month | 2.50% | 2.53% |
| 14 month Special** | 3.97% | 4.04% |
| 24 month | 3.00% | 3.04% |
| 30 month Bump Rate* | 3.50% | 3.56% |
| 36 month | 3.40% | 3.45% |
| 48 month | 3.50% | 3.56% |
| 60 month | 3.60% | 3.66% |
$500 minimum to open Share Certificate. Rates subject to change without notice.
T - Annual Percentage Yield
*The Bump Rate Option allows a member to choose to “bump” their rate one time for the 30 month Share Certificate, if the current rate being offered is higher. Contact Azura Credit Union to activate the bump rate. Each 30 month term has one bump available. The 30 month Bump Rate Share Certificate will automatically renew as another 30 month Bump Rate Share Certificate, unless changes are made during the grace period. Early withdrawal penalty will reduce earnings on the account. Limited time offer. Rates subject to change without notice.
**The 14 Month Special will automatically renew at a standard 12 month term upon maturity. Early withdrawal penalty will reduce earnings on the account. Limited time offer. Rates subject to change without notice.
Health Savings Account (HSA)
Effective Date: Wednesday, November 20, 2024
| Account | Rate | APY* |
|---|---|---|
| Share Account | 0.50% | 0.50% |
Balances over $100 earn dividends
*APY = Annual Percentage Yield.
Membership Benefits
Member Discounts
Financial Wellness
