Banking is different at Directions

As a not-for-profit financial cooperative, Directions is different by design! Lower fees and better rates is just the beginning of a better way to bank.

Checking and Savings Rates

Balance Requirement Dividend Rate APY* Effective Date
Primary Share Savings $5.00 to open, $25.00 to obtain APY 0.10% 0.10% 11/09/2022
Advantage Checking $25.00 to open account - $2500 to obtain APY 0.05% 0.05% 11/09/2022
Investment Checking $75,000.00 or greater 0.30% 0.30% 11/09/2022
$50,000 - $74,999.99 0.25% 0.25% 11/09/2022
$25,000-$49,999.99 0.20% 0.20% 11/09/2022
$10,000.00-$24,999.99 0.15% 0.15% 11/09/2022
$9,999.99 and below 0.10% 0.10% 11/09/2022
Youth Goal Savings

(under 24 years of age)

$5.00 to open, $25.00 to obtain APY 0.10% 0.10% 11/09/2022
Holiday Club $5.00 to open, $25.00 to obtain APY 0.10% 0.10% 11/09/2022
Money Management Account** $100,000.00 or greater 0.55% 0.55% 11/09/2022
$75,000.00 - $99,999.99 0.45% 0.45% 11/09/2022
$50,000 - $74,999.99 0.40% 0.40% 11/09/2022
$25,000.00-$49,999.99 0.35% 0.35% 11/09/2022
$2,500.00-$24,999.99 0.30% 0.30% 11/09/2022
IRA Share Savings $5.00 0.40% 0.40% 11/09/2022
3 Month Certificate $500.00 0.45% 0.45% 11/30/2022
6 Month Certificate $500.00 0.65% 0.65% 11/30/2022
12 Month Certificate $500.00 1.55% 1.56% 11/30/2022
18 Month Certificate $500.00 4.00% 4.07% 11/30/2022
24 Month Certificate $500.00 1.75% 1.76% 11/30/2022
30 Month Certificate $500.00 1.80% 1.81% 11/30/2022
36 Month Certificate $500.00 1.90% 1.92% 11/30/2022
48 Month Certificate $500.00 2.10% 2.12% 11/30/2022
60 Month Certificate $500.00 2.30% 2.32% 11/30/2022
12 Month Youth Certificate $100 initial deposit - Must be under 24 years of age 1.55% 1.56% 11/30/2022
24 Month Youth Certificate $100 initial deposit - Must be under 24 years of age 1.75% 1.76% 11/30/2022
27 Month Certificate Special $500.00 4.25% 4.33% 11/30/2022
31 Month Certificate Special $500.00 2.45% 2.48% 11/30/2022

*Annual Percentage Yield

** Indicates variable rate. Withdrawal limitations may apply.

Dividend rates and annual percentage yields shown are subject to change. Penalty for early withdrawal. Fees may reduce earnings. If you close your account before dividends are credited, you will forfeit the accrued dividends.

The above deposit product information is applicable to consumer accounts at Directions Credit Union as of the effective shown. Directions Credit Union may add to or change the rates contained in this schedule from time to time. Each Primary Member, Joint Account Holder, Authorized Signer, and Authorized User of the account agrees to the terms and conditions in the Consumer Account Disclosure and acknowledges that it is a part of the Account Agreements. View List of Savings Accounts & Disclosures & Certificates & Disclosures.