APY = Annual Percentage Yield. Rates are subject to change. The minimum balance to earn dividends is $25 for regular tiered shares, $5 for share type 12 Dewey shares, $10 for share type 17 TIP shares, $1,000.01 for checking, and $1,500 for money markets. Fees could reduce earnings. Minimum balance of $25.00 required for regular tiered shares. Funds are insured to $250,000 per account by ASI (American Share Insurance), the nation's largest private deposit insurer. This institution is not federally insured. *Minimum deposit of $1,500 required for Money Market Accounts. There is a substantial penalty for violating account terms & conditions. Credit union membership is required. Current rates can be obtained by calling 630-844-4950.