Savings Rates

Deposit Account Rates



Accounts Rate APY* Minimum Balance
Savings Account 0.10% 0.10% $25.00 or more
Christmas Account 0.10% 0.10% No Minimum Required
Vacation Accounts 0.10% 0.10% No Minimum Required
IRA Share Accounts 0.20% 0.20% No Minimum Required

Ultimate Dividend Checking Rates


Effective Date: 11/1/2022

Balances Rate APY*
$.01 - $10,000 1.00% 1.00%
>$10,000 0.25% 1.00- 0.32%

*The base rate for accounts that do not meet the qualifications will be .05% APY. For details, click here.



Money Market Account Rates


Effective Date: 11/1/2022

Minimum Balance Required to Earn Rate Rate APY*
$2,500 - $9,999 0.10% 0.10%
$10,000 - $24,999 0.20% 0.20%
$25,000 - $49,999 0.30% 0.30%
$50,000 - $99,999 0.40% 0.40%
$100,000 and up 0.45%
0.45%

**Fees may reduce earnings.
***Money Market rates are variable and subject to change Monthly. For details, click here. 



Certificate Account Rates


Effective Date: 11/1/2022
Term Rate APY* Minimum Balance Early Withdrawal Penalty
90 Days 0.10% 0.10% $500.00 1 Month Dividend
180 Days 0.20% 0.20% $500.00 1 Month Dividend
12 Months 0.30% 0.30% $500.00 1 Month Dividend
24 Months 0.40% 0.40% $500.00 3 Months Dividend
36 Months 0.50% 0.50% $500.00 3 Months Dividend
**Early withdrawal penalties as outlined in our Truth-in-Savings Disclosure may apply. For details about our Certificates, click here.



Individual Retirement Account (IRA) Certificate Rates


Effective Date: 11/1/2022
Term Rate APY* Minimum Balance Early Withdrawal Penalty
12 Months 0.30% 0.30% $500.00 1 Month Dividend
24 Months 0.40% 0.40% $500.00 3 Months Dividend
36 Months 0.50% 0.50% $500.00 3 Months Dividend
**Early withdrawal penalties on Certificate Accounts as outlined in our Truth-in-Savings Disclosure may apply. IRA Certificate rates are subject to change weekly. For details on our IRAs, click here.



Jumbo Certificate Rates


Effective Date: 11/1/2022
Term Rate APY* Early Withdrawal Penalty
6 Month Jumbo  N/A  N/A N/A
12 Month Jumbo 0.30% 0.30% 1 Month Dividend
24 Month Jumbo 0.40% 0.40% 3 Months Dividend
36 Month Jumbo 0.50% 0.50% 3 Months Dividend
**Early withdrawal penalties on Certificate Accounts as outlined in our Truth-in-Savings Disclosure may apply. Jumbo Rates are subject to Change Daily. You may invest amounts as low as $50,000. For details, click here.


*APY = Annual Percentage Yield. All rates and terms are subject to change. Refer to your New Horizons Credit Union's Membership & Account Agreement and Truth in Savings Rate & Fee Schedule for product details, or contact the Credit Union direct for the most current rate, term, fee, and disclosure information on all our account types at 251-316-3240 or by visiting any branch.