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Rates
Rates

Savings Rates

Short-term plans, long-term plans, or simply every day savings, Pacific Oaks has you covered. And that includes the peace-of-mind of knowing that all accounts are insured up to $250,000 by the National Credit Union Administration, a U.S. government agency.  And we've made it easier to save with payroll deduction and direct deposit.

Save a little, save a lot - either way, save yourself the worry of protecting your future by trusting your neighborhood credit union, Pacific Oaks.


Savings*

 Minimum Initial DepositMinimum Balance
to Earn Dividends
Annual Dividend RateAnnual Percentage Yield (APY)
Regular Share &$25$25-$990.15%0.15% APY
Custom Club Savings$25$100-$9990.15%0.15% APY
$25$1,000-$9,9990.15%0.15% APY
$25$10,000-$24,9990.15%0.15% APY
$25$25,000 & above0.15%0.15% APY
Money Market$2,000$500-$4,9990.15%0.15% APY
$2,000$5,000-$24,9990.15%0.15% APY
$2,000$25,000-$49,9990.25%0.25% APY
$2,000$50,000-$74,9990.25%0.25% APY
$2,000$75,000-$99,9990.25%0.25% APY
$2,000$100,000 & above0.45%0.45% APY
Platinum Checking$2,500$10.10%0.10% APY

Rates Effective as of 2/1/12

*Rates, terms and conditions are not guaranteed and are subject to change without notice. Minimum initial deposit is $1 for Custom Club Savings. Money Market Savings balances below $500 do not earn dividend. Rates subject to change without notice.


Share Certificates*

 Minimum Initial DepositMinimum to Earn DividendsAnnual Dividend RateAnnual Percentage Yield (APY)
3 Month Certificate$1,000$1,000.20%.20% APY
6 Month Certificate$1,000$1,000.30%.30% APY
1 Year Certificate$1,000$1,000.40%.40% APY
2 Year Certificate$1,000$1,000.60%.60% APY
3 Year Certificate$1,000$1,000.85%.85% APY
4 Year Certificate$1,000$1,0001.00%1.00% APY
5 Year Certificate$1,000$1,0001.25%1.26% APY

Rates Effective as of 2/1/12

*Rates, terms and conditions are not guaranteed and are subject to change without notice. Fees could reduce earnings on share certificates. A penalty may be imposed for early withdrawal. NCUA Your savings insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA insurance coverage is $250,000 for IRAs.


Traditional, Roth IRA & Coverdell ESA*

 Minimum Initial DepositMinimum to Earn DividendsAnnual Dividend RateAnnual Percentage Yield (APY)
1 Year Certificate$500$500.40%.40% APY
2 Year Certificate$500$500.60%.60% APY
3 Year Certificate$500$500.85%.85% APY
4 Year Certificate$500$5001.00%1.00% APY
5 Year Certificate$500$5001.25%1.26% APY

Rates Effective as of 2/1/12

*Rates, terms and conditions are not guaranteed and are subject to change without notice. Fees could reduce earnings on share certificates. A penalty may be imposed for early withdrawal. NCUA Your savings insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA insurance coverage is $250,000 for IRAs.


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