APY –Annual Percentage Yield. The dividend rate is paid on the entire balance in your account. Dividends are earned daily for each day your balance exceeds the minimum daily balance required. Dividends are compounded daily and credited monthly. Rates are subject to change without notice after account opening.

^*Minimum Opening Balance of $25; Minimum Balance to Earn for APY is $25.

²Minimum Opening Balance of $10; Minimum Balance to Earn APY is $10.

³Green High Yield Savings must enroll in online and mobile banking and enroll in eStatements.

**Certificate Minimum Balance to Open and Earn APY is $1,000 ($500 Minimum for Traditional IRA, Roth IRA and Coverdell Education Savings Certificates);  Deposits are allowed during the term of the 18 Month Certificate. Rate based on balance until maturity date. Penalty will be imposed for early withdrawals on Term Share accounts; fees and certain conditions may reduce earnings. Full account disclosures will be given at the time of account opening. 

Penalty will be imposed for early withdrawals on Term Share accounts; fees and certain conditions may reduce earnings. Full account disclosures will be given at the time of account opening.

⁴Rate Information: Your rate may change. Annual Percentage Yield (APY). Qualified Rate – if all Qualifying Requirements are met, rates are as follows: 6.00% APY on $0.01-$10,000 with debit card transactions over $1,000; 3.00% APY on $0.01-$10,000 with debit card transactions between $500-$999; 1.00% APY on balances above $10,000. Base Rate – If qualification requirements during qualification period are not satisfied, rate paid on entire balance will be 0.025% APY. This product requires credit union estatement enrollment. We reserve the right to require minimum 7 days' written notice before withdrawal from dividend-bearing accounts. Rate changes may occur at any time, with 30 days' advance written notice for rate reductions. Dividends compound daily and credit monthly. Daily balance computation method applies if qualifications are met; average daily balance method applies if not met. Minimum $500 opening deposit and daily balance required for APY. Dividends accrue when we receive credit for non-cash deposits and are forfeited on closed accounts. Qualification Period runs 26th to 25th monthly. Requirements: estatements enrollment and minimum $500 in posted Pioneer Valley Credit Union MasterCard® Debit Card transactions. ATM fee refunds up to $10 monthly during qualifying periods. Maximum two accounts per member. Account may convert to standard checking if regularly unqualified. Account changes maintain existing joint owners/signers.

All Rates are subject to change

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