Share Rates at OHCU

Effective Date 1/1/2023

Share Savings

Share Type	Dividend Rate	Annual Percentage Yield*
Basic Savings Account
$0.00—$15,000.00	0.15% v	0.15% v
$15,000.01—$50,000.00	0.15% v	0.15% v
$50,000.01—$100,000.00	0.20% v	0.20% v
$100,000.01 and greater	0.20% v	0.20% v

Checking Accounts

Share Type	Dividend Rate	Annual Percentage Yield*
Kasasa Cash Checking - APY on balances as much as $10,000	4.41%	4.50%
Kasasa Cash Checking - APY on portion of balance over $10,000	0.25%	0.25%
Kasasa Cash Checking - APY on all balances if criteria not met	0.05%	0.05%
My Way Senior Checking	0.10% v	0.10% v

Money Market Shares

Amount	Dividend Rate	Annual Percentage Yield*
$0.00—$50,000.00	0.30% v	0.30% v
$50,000.01—$100,000.00	0.30% v	0.30% v
$100,000.01—$200,000.00	0.40% v	0.40% v
$200,000.01 and greater	0.40% v	0.40% v

Share Certificates

		Annual Percentage Yield*
Term	Dividend Rate	Regular	IRA
6 Month	1.74%	1.75%	---
12 Month	1.98%	2.00%	2.00%
15 Month  **SPECIAL**	4.17%	4.25%	---
18 Month	2.23%	2.25%	---
24 Month	2.47%	2.50%	2.50%
36 Month	2.47%	2.50%	2.50%
48 Month	2.47%	2.50%	2.50%
60 Month	2.47%	2.50%	2.50%
84 Month (IRA Only)	2.47%	---	2.50%

Miscellaneous Shares

Share Type	Minimum to earn dividend	Dividend Rate	Annual Percentage Yield*
Retirement Plan Shares	$100	0.30% v	0.30% v
Christmas Club	$100	0.15% v	0.15% v
Teacher Summer Savings Club	$100	0.15% v	0.15% v
Vacation Club	$100	0.15% v	0.15% v
Save-A-Saurus	$25	0.15% v	0.15% v
Health Savings	$5 minimum balance required	0.15% v	0.15% v

Minimum Balance Requirements:

Regular Share Certificates: Requires a minimum balance of $500. Dividend rate is guaranteed for the term of the certificate. Penalty for early withdrawal.

15 Month Certificate **SPECIAL**: 15 month certificate at 4.25% APY (Annual Percentage Yield) (rate 4.17%). $5,000 minimum balance required. Monies automatically transfer into primary share account at maturity. Penalty for early withdrawal. No institutional investors. Rate is effective December 19, 2022. Limited time offer. Promotion subject to termination at any time. 

IRA Certificates: Requires a minimum balance of $500. Dividend rate is guaranteed for the term of the certificate. Penalty for early withdrawal except withdrawal after age 59 1/2.
*The annual percentage yield (APY) is based on the assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

Variable Dividend Rates – If a dividend rate is marked "variable" or "v", the dividend rate(s) and APY may change, and we reserve the right to change the rate(s) at our discretion. If a rate is not marked as variable, it will be paid for the term of the account. Any fees charged to the account may reduce earnings.

Jumbo Certificates – Jumbo certificates are for balances of $100,000 or greater and pay .10% APY more than the regular certificate yield.

For updated rate information, please call (615) 847-4043 or 1-800-998-4043 during regular business hours.