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Share savings accounts offer a three-tiered dividend structure, enabling members to earn higher dividends by maintaining higher daily balances. Dividend rates are subject to change at the discretion of the board of directors. Dividends are compounded daily and credited to the account quarterly.
Share Account Dividend Structure – Effective 09-20-2024
| Savings Account Minimum Balance | Rate | APYE* |
| $0.00 – $25.00 | 0.00% | 0.00% |
| $25.01 – $999.99 | 0.05% | 0.05% |
| $1,000.00 – $9,999.99 | 0.05% | 0.05% |
| Over $10,000 | 0.15% | 0.15% |
Regular Share Certificate Rates** – Effective 09-20-2024
| Term | Minimum | Dividend Rate* | APYE* |
| 6 Months | $1,500.00 | 2.75% | 2.77% |
| 12 Months | $1,500.00 | 2.85% | 2.90% |
| 24 Months | $2,500.00 | 3.00% | 3.03% |
Mini-Jumbo Share Certificate Rates** – Effective 09-20-2024
| Term | Minimum | Dividend Rate* | APYE* |
| 6 Months | $50,000.00-$95,000.00 | 3.10% | 3.12% |
| 12 Months | $50,000.00-$95,000.00 | 3.25% | 3.28% |
| 24 Months | $50,000.00-$95,000.00 | 3.50% | 3.50% |
Jumbo Certificate Rates** – Effective 09-20-2024
FOR A LIMITED TIME ONLY
| Term | Minimum | Dividend Rate* | APYE* |
| 6 Months | Over $95,000.01 | 3.10% | 3.12% |
| 12 Months | Over $95,000.01 | 3.25% | 3.28% |
| 24 Months | Over $95,000.01 | 3.50% | 3.50% |
| 36 Months | Over $95,000.01 | 3.75% | 3.75% |
Share Draft Checking Rates – Effective 07-03-2023
| Term | Minimum | Dividend Rate* | APYE* |
| Share Draft Checking accounts maintaining average balances over $1,500.00 will earn interest paid monthly on the account balance. | With Average Balances within the range of $1,500.00 and up to $24,999.99, the rate of interest is 0.05%. Average Balances Over $25,000.00, the rate of interest is 0.15%, over $99,000.00 the rate is 0.40 %. | Interest shall be paid on account balances within tiered ranges to maximize earnings. | Up To 0.40% |
* APYE = Annual Percentage Yield Earned.
**All certificates are subject to penalty for early withdrawal.
Interest rates, dividend rates and corresponding annual percentage yields quoted have been declared by the board of directors.
The rates shown are accurate as of the date listed above.
Dividends are based on Brazos Star Credit Union’s earnings at the end of a dividend period and cannot be guaranteed. All rates are subject to change without prior notice. After a share certificate of deposit is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal which is equivalent to six months interest on the amount withdrawn.
Fees could reduce earnings on the share and share certificate of deposit accounts.