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term share & ira rates

Rates are current as of December 10, 2025

Term Share Accounts $500 - $4,999 

Description Length of Term  Dividend Rate Annual Percentage Yield (APY) Minimum Opening Balance Dividends Compounded Dividends Credited
6 Month Term Share (or IRA) 6 months 3.05% 
3.08%
 $500 Monthly Monthly
12 Month Term Share (or IRA) 12 months 2.90% 2.94% $500 Monthly Monthly 
18 Month Term Share (or IRA)
 18 months 2.80% 2.84% $500 Monthly Monthly
24 Month Term Share (or IRA) 24 months 2.75% 2.79% $500 Monthly Monthly
36 Month Term Share (or IRA) 36 months 2.00% 2.02% $500 Monthly Monthly

Penalty may be imposed for early withdrawal

 

Term Share Accounts $5,000 - $49,999 

 
Description Length of Term Dividend Rate Annual Percentage Yield (APY) Minimum Opening Balance Dividends Compounded Dividends Credited
6 Month Term Share (or IRA) 6 months 3.15% 
3.20%
 $5,000 Monthly Monthly 
12 Month Term Share (or IRA)
 12 months 3.00% 3.04% $5,000 Monthly Monthly 
18 Month Term Share (or IRA)
 18 months 2.90% 2.94% $5,000 Monthly Monthly
24 Month Term Share (or IRA) 24 months 2.85% 2.89% $5,000 Monthly Monthly
36 Month Term Share (or IRA) 36 months 2.10% 2.12% $5,000 Monthly Monthly

Penalty may be imposed for early withdrawal


Term Share Account - Balance Over $50,000

Description Length of Term Dividend Rate Annual Percentage Yield (APY) Minimum Opening Balance Dividends Compounded Dividends Credited
6 Month Term Share (or IRA) 6 months 3.25% 
3.30%
 $50,000 Monthly Monthly 
12 Month Term Share (or IRA)
 12 months 3.10% 3.14% $50,000 Monthly Monthly 
18 Month Term Share (or IRA)
 18 months 3.00% 3.04% $50,000 Monthly Monthly
24 Month Term Share (or IRA) 24 months 2.95% 2.99% $50,000 Monthly Monthly
36 Month Term Share (or IRA) 36 months 2.20% 2.22% $50,000 Monthly Monthly

Penalty may be imposed for early withdrawal

 
Our Rates Subject to Change
This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your Savings, Checking, Term Share, IRA and Certificate Accounts at Canopy Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.

 

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