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Routing #: 243381502
| Type | Minimum to Open | Minimum Average to Obtain Yield | Dividend Rate | APY** |
|---|---|---|---|---|
| Regular Shares | $5.00 | $150.00 | .15% | .15% |
| Share Account | $0.00 | $150.00 | .15% | .15% |
| Smart Saver | $0.00 | $25.00 | .15% | .15% |
| Business-DBA w/ Soc. Sec # | $5.00 | $150.00 | .15% | .15% |
| Live and Learn | $5.00 | $25.00 | .15% | .15% |
| Juvenile Shares | $5.00 | $25.00 | .15% | .15% |
$5,000 Maximum
| Type | Minimum to Open | Minimum & Maximum to Obtain Yield | Dividend Rate | APY** |
|---|---|---|---|---|
| Christmas | $0.00 | $5 – $5,000 max | .35% | .35% |
| Vacation | $0.00 | $5 – $5,000 max | .35% | .35% |
| Term | Minimum to Open | Minimum to Obtain Yield | Dividend Rate | APY** |
|---|---|---|---|---|
| 60 – 365 Day | $500 | $500 | 1.00% | 1.00% |
| 9 Month | $500 | $500 | 3.45% | 3.50% |
| 18 Month | $500 | $500 | 3.20% | 3.25% |
| 24 Month | $500 | $500 | 3.20% | 3.25% |
| 36 Month | $500 | $500 | 2.96% | 3.00% |
| 48 Month | $500 | $500 | 2.96% | 3.00% |
| 60 Month | $500 | $500 | 2.96% | 3.00% |
| Live and Learn | $250 | $250 |
| IRA Certificates | Minimum to Open | Minimum Average to Obtain Yield | Dividend Rate | APY** |
|---|---|---|---|---|
| IRA Share | $500 | $500 | .15% | .15% |
| Live & Learn IRA Share | $250 | $250 | .15% | .15% |
| 9 Month | $500 | $500 | 3.45% | 3.50% |
| 395 Day | $500 | $500 | 1.00% | 1.00% |
| 24 Month | $500 | $500 | 3.20% | 3.25% |
| 5 Year | $500 | $500 | 2.96% | 3.00%. |
** APY = Annual Percentage Yield. The Annual Percentage Yield (APY) assumes that dividends are added to principal and remain on deposit. Withdrawal of dividends will reduce earnings. Effective 04/01/2026. Rates subject to change.
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New Directions Community Credit Union 2026