account rates

Table data for Checking
12-06-2023
	Minimum to Open	Annual Percentage Yield
Basic Checking	$25	None

Edge Pay Checking	$25	None

No Dividend Checking	$25	None

Table data for Savings
12-06-2023
	Minimum to Open	Dividend Rate	Annual Percentage Yield
Savings Account	$5	.20%	.20%

Table data for Holiday Savings
12-06-2023
Type	Minimum Balance to Open	Annual Percentage Yield
Savings Account	$5	.20%

Table data for VHeat Clearing Account
12-06-2023
	Annual Percentage Yield	Alert Me
Clearing Account	0.10%

Table data for VGreen Money Market Account
12-06-2023
Minimum Balance to Earn APY ¹	Annual Percentage Yield	Alert Me
$1,000 – $49,999.99	1.81%

$50,000 – $99,999.99	2.27%

$100,000 – $249,999.99	2.63%

$250,000 – $499,999.99	3.14%

$500,000.00 and over	3.14%

APY = annual percentage yield. VGreen Money Market Accounts are tiered rate accounts. For these accounts, if the balance falls within the range for a particular tier, the dividend rate applicable to that tier will apply to the full balance in the account.

Table data for IRA Savings Account
12-06-2023
	Minimum to Earn APY ¹	Dividend Rate	Annual Percentage Yield
IRA Savings Account	$5	.20%	.20%

Table data for IRA Certificates
12-06-2023
Type	Minimum to Earn APY ²	Dividend Rate	Annual Percentage Yield
9-month	$500	5.00%	5.12%

1 Year	$500	2.25%	2.27%

15-month	$500	4.75%	4.85%

2 Year	$500	2.25%	2.27%

3 Year	$500	2.25%	2.27%

5 Year	$500	2.25%	2.27%

4 Year	$500	2.25%	2.27%

Rates are subject to change after account opening. Fees could reduce earnings.

Table data for Fixed Rate Certificates
12-06-2023
Term	Minimum to Earn APY ²	Dividend Rate	Annual Percentage Yield
6-month	$500	2.25%	2.27%

9-month	$500	5.00%	5.12%

1 Year	$500	2.25%	2.27%

15-month	$500	4.75%	4.85%

2 Year	$500	2.25%	2.27%

3 Year	$500	2.25%	2.27%

4 Year	$500	2.25%	2.27%

5 Year	$500	2.25%	2.27%

Table data for Coverdell Education Certificate (variable rate)
12-06-2023
Type	Minimum to Open	Balance Tier	Dividend Rate	APY ³
18-month	$5	Under $25,000	4.00%	4.07%

		$25,000 and Over	4.15%	4.23%

Table data for Future Saver Certificate (variable rate)
12-06-2023
Term	Minimum to Earn APY ⁴	Dividend Rate	Annual Percentage Yield
12 to 60 months	$25	1.50%	1.51%

For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance within that tier. The APYs, which vary depending on the balance in the account, are shown for each tier.

Table data for Future Saver Plus Certificate (variable rate)
12-06-2023
Term	Minimum to Earn APY ⁴	Balance Tier	Dividend Rate	Annual Percentage Yield
12-months	$25	Under $5,000	3.00%	3.04%

12-months	$25	$5,000 and Over	1.50%	3.04% to 1.52%

Future Saver Plus Certificates are tiered rate accounts. For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance within that tier. The APYs, which vary depending on the balance in the account, are shown for each tier.

Table data for Uniform Transfer to Minor Act (variable rate)
12-06-2023
Term	Minimum to Earn APY ¹	Dividend Rate	Annual Percentage Yield
12 months	$5	2.15%	2.17%

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View more rates & terms at vsecu.com

Disclosures

¹ APY: Annual Percentage Yield. Rates are subject to change after account opening.

² APY: Annual Percentage Yield. Early withdrawal penalties may apply.

³ APY: Annual Percentage Yield. Rates are subject to change after account opening. Early withdrawal penalties may apply. Future Saver Plus Certificates are tiered rate accounts. For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance within that tier. The APYs, which vary depending on the balance in the account, are shown for each tier.

⁴ APY= Annual Percentage Yield. Fees could reduce earnings.