Primary Savings/Shares - $100 minimum deposit for dividends
0.05%
0.05%
Side Shares - $100 minimum deposit for dividends
0.05%
0.05%
Premium Checking** - up to $3,000
5.30%
5.43%
Premium Checking** -$3,000.01 & Greater
0.05%
0.05%
Holiday Spending - $100 minimum deposit for dividends
0.05%
0.05%
Oakey Dokey - $10 minimum deposit for dividends
0.05%
0.05%
Money Market
Effective Date: October 1, 2024
Balance
Rate
APY*
Less than $2,500
0.00%
0.00%
$2,500 - $19,999
0.05%
0.05%
$20,000 - $74,999
0.10%
0.10%
$75,000 - $99,999
0.25%
0.25%
$100,000 & up
0.50%
0.50%
Variable Rate IRAs
Effective Date: October 1, 2024
$100 minimum deposit to earn dividends.
Type
Rate
APY*
Traditional IRA
0.10%
0.10%
Roth IRA
0.10%
0.10%
Coverdell Education Savings Account
0.10%
0.10%
Health Savings Account
0.10%
0.10%
Term Share IRAs
Effective Date: October 1, 2024
$500 minimum deposit to earn dividends.
Term
Rate
APY*
Coverdell Education 24 Month Term
1.25%
1.26%
1 Year Fixed Rate Term
1.00%
1.00%
2 Year Fixed Rate Term
1.25%
1.26%
3 Year Fixed Rate Term
1.35%
1.36%
4 Year Fixed Rate Term
1.50%
1.51%
5 Year Fixed Rate Term
1.75%
1.76%
Roth IRA - 12 Month Term
1.00%
1.00%
Roth IRA - 24 Month Term
1.25%
1.26%
Roth IRA - 36 Month Term
1.35%
1.36%
Roth IRA - 48 Month Term Share
1.50%
1.51%
Roth IRA - 60 Month Term Share
1.75%
1.76%
Share Certificates
Effective Date: October 1, 2024
$500 minimum deposit to earn dividends.
Term
Rate
APY*
3 Month Term Share Special
3.25%
3.30%
6 Month Term Share Account
0.75%
0.75%
12 Month Term Share Account
1.00%
1.00%
18 Month Term Share Account
1.10%
1.10%
24 Month Term Share Account
1.25%
1.26%
36 Month Term Share Account
1.35%
1.36%
48 Month Term Share Account
1.50%
1.51%
60 Month Term Share Account
1.75%
1.76%
1Annual Percentage Yield. 3 Month Certificate of Deposit Special is non-renewable. $500 minimum and $200,000 maximum per primary member. Upon maturity, the balance will be transferred into the Primary Share Account.
*For the purpose of this disclosure, this is rate and APY that was offered within the most recent seven calendar days. The Interest Rate(s) and Annual Percentage Yield(s) shown herein are current as of the effective date and are subject to change anytime without prior notice. For more current rates, please call OUR Credit Union at 248.549.3838.
** Requirements muat be met to earn dividends. See Premium Checking page for full dividend earning requirements.
"I opened an account on a Saturday of a holiday weekend. The people assisting me were extraordinary, pleasant and helpful. The friendliness and helpfulness of the staff made me decide to move all my banking concerns to OUR Credit Union."
- Stephen K.
"The entire staff is always friendly, and eager to see that our financial needs are met. We are usually greeted with our first names as we enter the branch. This is refreshing in a time when we feel like we are 'just another number.' Wendi and Shelley always greet us with friendly conversation, making us feel like part of the 'family.'"
- Loretta R.
"OUR Credit Union staff is always professional, efficient and accurate handling my transactions. Happy to have OUR Credit Union as my financial institution for many years. Thanks to all."