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.
RV Graphic

Auto & Recreational

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Credit Card

Checking & Savings Graphic

Checking & Savings

House graphic

Mortgage & Home Equity

Personal Loan graphic: dollar sign with check mark

Personal Loans

Business Commercial graphic: paper pen icon

Business Commercial

Checking and Savings Rates
Balance Requirement Dividend Rate APY* Effective Date
Primary Share Savings $5.00 to open, $25.00 to obtain APY 0.03% 0.03% 04/01/2021
Advantage Checking $25.00 to open account - interest earned on all balances 0.05% 0.05% 04/01/2021
Investment Checking $75,000.00 or greater 0.20% 0.20% 04/01/2021
$50,000 - $74,999.99 0.15% 0.15% 04/01/2021
$25,000-$49,999.99 0.10% 0.10% 04/01/2021
$10,000.00-$24,999.99 0.05% 0.05% 04/01/2021
$9,999.99 and below 0.05% 0.05% 04/01/2021
Youth Goal Savings

(under 24 years of age)

$5.00 to open, $25.00 to obtain APY 0.10% 0.10% 04/01/2021
Holiday Club $5.00 to open, $25.00 to obtain APY 0.05% 0.05% 04/01/2021
Money Management Account** $100,000.00 or greater 0.25% 0.25% 04/01/2021
$75,000.00 - $99,999.99 0.15% 0.15% 04/01/2021
$50,000 - $74,999.99 0.15% 0.15% 04/01/2021
$25,000.00-$49,999.99 0.10% 0.10% 04/01/2021
$2,500.00-$24,999.99 0.10% 0.10% 04/01/2021
IRA Share Savings $5.00 0.15% 0.15% 04/01/2021
3 Month Certificate $500.00 0.10% 0.10% 11/20/2020
6 Month Certificate $500.00 0.20% 0.20% 11/20/2020
12 Month Certificate $500.00 0.35% 0.35% 11/20/2020
18 Month Certificate $500.00 0.40% 0.40% 11/20/2020
24 Month Certificate $500.00 0.45% 0.45% 11/20/2020
30 Month Certificate $500.00 0.50% 0.50% 11/20/2020
36 Month Certificate $500.00 0.55% 0.55% 11/20/2020
48 Month Certificate $500.00 0.65% 0.65% 11/20/2020
60 Month Certificate $500.00 0.80% 0.80% 11/20/2020
12 Month Youth Certificate $100 initial deposit - Must be under 24 years of age 0.35% 0.35% 11/20/2020
24 Month Youth Certificate $100 initial deposit - Must be under 24 years of age 0.45% 0.45% 11/20/2020

*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.