A balance of $10,000 is required to maintain this account. If funds fall below $10,000, no dividends are paid and your account is charged a $5 monthly fee.

Since dividend rates fluctuate monthly, you have the opportunity to earn the highest dividends available.

Your dividend is computed on the average daily balance and credited to your account on the last day of the month. Dividend rates are subject to change. If you close your account during the month, no dividend will be paid for that month.

Your funds can be transferred to a savings or checking account, or withdrawn and mailed to you.

Your funds are safe—they’re insured by NCUA to at least $100,000 (for combined savings, checking and certificate deposits).