[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-en-105":3,"doc-seo-203554-105":59,"doc-detail-203554-en":134},{"code":4,"msg":5,"data":6},0,"success",[7,13,18,23,28,33,38,43,48,51,55],{"id":8,"doc_module":4,"doc_module_name":9,"category_name":10,"show_sort_weight":11,"slug":12},1,"Document","Story & Novel",90,"story-novel",{"id":14,"doc_module":4,"doc_module_name":9,"category_name":15,"show_sort_weight":16,"slug":17},2,"Literature",80,"literature",{"id":19,"doc_module":4,"doc_module_name":9,"category_name":20,"show_sort_weight":21,"slug":22},4,"Exam",70,"exam",{"id":24,"doc_module":4,"doc_module_name":9,"category_name":25,"show_sort_weight":26,"slug":27},5,"Comic",60,"comic",{"id":29,"doc_module":4,"doc_module_name":9,"category_name":30,"show_sort_weight":31,"slug":32},6,"Technology",50,"technology",{"id":34,"doc_module":4,"doc_module_name":9,"category_name":35,"show_sort_weight":36,"slug":37},7,"Healthcare",40,"healthcare",{"id":39,"doc_module":4,"doc_module_name":9,"category_name":40,"show_sort_weight":41,"slug":42},8,"Research & Report",30,"research-report",{"id":44,"doc_module":4,"doc_module_name":9,"category_name":45,"show_sort_weight":46,"slug":47},9,"Religion & Spirituality",20,"religion-spirituality",{"id":46,"doc_module":4,"doc_module_name":9,"category_name":49,"show_sort_weight":46,"slug":50},"World Cup","world-cup",{"id":52,"doc_module":4,"doc_module_name":9,"category_name":53,"show_sort_weight":52,"slug":54},10,"Lifestyle","lifestyle",{"id":56,"doc_module":4,"doc_module_name":9,"category_name":57,"show_sort_weight":24,"slug":58},19,"General","general",{"code":4,"msg":60,"data":61},"ok",{"site_id":62,"language":63,"slug":64,"title":65,"keywords":66,"description":67,"schema_data":68,"social_meta":127,"head_meta":129,"extra_data":131,"updated_unix":133},105,"en","consumer-rate-sheet-share-and-ira-accounts","Consumer rate sheet - Share and IRA accounts","","Quarterly dividend and interest terms govern multiple consumer deposit products, including Share Accounts, Share Draft Accounts, Share Certificates, Christmas Club Accounts, and IRA Share Accounts. The sheet describes how averages are applied by tier, notes minimum opening and maintenance requirements for IRA accounts and NGAGE programs, and specifies limits such as no dividend for Share Draft balances at or below $10,000.00. It also explains NGAGE reward eligibility rules, variable rate discretion, and certificate renewal and early-withdrawal penalty mechanics.",{"@graph":69,"@context":126},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/consumer-rate-sheet-share-and-ira-accounts/203554/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/consumer-rate-sheet-share-and-ira-accounts/203554.png","ImageObject",300,407,{"name":92,"@type":93},"Anda","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-08","2026-09-04",true,{"@type":102,"interactionType":103,"userInteractionCount":29},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118,122],{"name":109,"@type":110,"acceptedAnswer":111},"How are dividends and interest credited for Share Accounts and Share Draft Accounts?","Question",{"text":112,"@type":113},"Both products use a quarterly dividend/interest period and credit dividends quarterly. Share Draft accounts earn no dividend on average daily balances of $10,000.00 or less.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"What minimum requirements apply to IRA Share Accounts?",{"text":117,"@type":113},"IRA accounts require a $100.00 minimum to open and maintain an IRA Share Account.",{"name":119,"@type":110,"acceptedAnswer":120},"What are the NGAGE eligibility and reward rules?",{"text":121,"@type":113},"NGAGE spending accounts require eDocuments and must meet transaction and enrollment conditions to earn rewards. NGAGE Savings dividends below require qualifying in NGAGE Spending, while non-qualifying NGAGE Savings follow specified rates and do not receive ATM fee refunds.",{"name":123,"@type":110,"acceptedAnswer":124},"How do certificate renewals and early withdrawal penalties work?",{"text":125,"@type":113},"Certificates automatically renew for successive terms equal to the original term until presented for payment or until the credit union gives notice to call the certificate. Early withdrawal incurs a penalty of 2.00% of principal balance or 1 year of interest, whichever is less.","https://schema.org",{"og:url":83,"og:type":128,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":130,"canonical":83},"index,follow",{"doc_id":132,"site_id":62},203554,1790032118,{"code":4,"msg":5,"data":135},{"doc_id":132,"user_id":136,"nickname":92,"user_avatar":137,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":138,"file_id":139,"file_url":140,"file_type":141,"file_size":142,"view_count":29,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":14,"language":143,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":144,"faqs":145,"seo_title":146,"seo_description":67,"update_tm":147,"read_time":24},962075006959,"https://ap-avatar.wpscdn.com/avatar/e0002397efbe92a78e?_k=1776741047341049297","| Share Accounts |  |  |\n| --- | --- | --- |\n| The dividend period for Share accounts is quarterly. Dividends are compounded and credited quarterly to the account. If your average daily balance is within one of the below tiers, your entire balance will be paid the rate applicable to that tier. |  |  |\n| Average Daily Balance | Dividends | Annual Percentage Yield |\n| |  |  |\n| |  |  |\n| |  |  |\n\n\n| Share Draft Accounts |  |  |\n| --- | --- | --- |\n| The interest period for Share Draft accounts is quarterly. Dividends are compounded and credited quarterly to the account. No dividend is earned on average daily balances of $10,000.00 or less. If your average daily balance is within one of the below tiers, your entire balance will be paid the rate applicable to that tier. |  |  |\n| Average Daily Balance | Interest Rate | Annual Percentage Yield |\n| |  |  |\n| |  |  |\n\n\n| Share Certificates |  |  |  |  |\n| --- | --- | --- | --- | --- |\n| The dividend period for Share certificates is equal to the period for which interest is credited. |  |  |  |  |\n| Maturity | Interest Rate | Annual Percentage Yield | Compounded | Credited |\n| 180 Days | | | |  |\n| 12 Months | | |  |  |\n| 24 Months | | | | |\n| 36 Months | | | | |\n| 48 Months | | | | |\n| 60 Months | | |  |  |\n\n| Christmas Club Accounts |  |  |  |\n| --- | --- | --- | --- |\n| The dividend period for Christmas club accounts is quarterly. Dividends are compounded and credited to the account. |  |  |  |\n| Dividend Rate | | APY | |\n\n\n| Individual Retirement Share Accounts |  |  |\n| --- | --- | --- |\n| The dividend period for IRA accounts is quarterly. Dividends are compounded and credited quarterly to the account. There is a $100.00 minimum to open and maintain an IRA Share Account. |  |  |\n| Average Daily Balance | Dividends | Annual Percentage Yield |\n| |  |  |\n| |  |  |\n| |  |  |\n\n\n| IRA Share Certificates |  |  |  |  |\n| --- | --- | --- | --- | --- |\n| Maturity | Interest Rate | Annual Percentage Yield | Compounded | Credited |\n| 180 Days |  |  |  |  |\n| 12 Months |  |  |  |  |\n| 24 Months |  |  |  |  |\n| 36 Months |  |  |  |  |\n| 48 Months |  |  |  |  |\n| 60 Months |  |  |  |  |\n\n| NGAGE Spending Account |  |  |\n| --- | --- | --- |\n| NGAGE spending account requires no minimum balance to earn rewards. Dividends are compounded and credited monthly to the account. *All members are required to have eDocuments to open and/or maintain any NGAGE spending account with Family Savings.\u003Cbr> Have (12) twelve debit card (Signature or POS) transactions post and clear during the cycle;\u003Cbr> You must be enrolled in and receive eDocuments,\u003Cbr> Must have at least 1 ACH transaction to post and settle |  |  |\n| Average Daily Balance | Dividends | Annual Percentage Yield |\n| |  |  |\n| |  |  |\n\n| NON-QUALIFYING NGAGE Spending Accounts will earn the following dividend with NO ATM Fee Refunds: |  |  |\n| --- | --- | --- |\n| Average Daily Balance | Dividends | Annual Percentage Yield |\n|  |  |  |\n\n\n| NGAGE Savings Account |  |  |\n| --- | --- | --- |\n| All members are required to have eDocuments to open and/or to maintain any NGAGE account with Family Savings. NGAGE Savings is an account that is an add-on to NGAGE\u003Cbr>Spending. Dividends are compounded and credited monthly to the account. To qualify in an NGAGE Savings Account, you MUST QUALIFY in the NGAGE Spending Account to earn the dividends below: |  |  |\n| Average Daily Balance | Dividends | Annual Percentage Yield |\n| |  |  |\n| |  |  |\n\n| NON-QUALIFYING Rates for NGAGE Savings accounts: |  |  |\n| --- | --- | --- |\n| Average Daily Balance | Dividends | Annual Percentage Yield |\n| | | |\n\nNGAGE Spending and NGAGE Savings  \nThis account is not to be used for commercial purposes.  \nRates and rewards are variable and at our discretion may change after account is opened without notice to you. Fees may reduce earnings. No minimum balance is required to earn or to receive the account’s rewards. Rewards less than a penny cannot be distributed.  \nThe following activiti","cbCaihSDe9nAYU0p","https://ap.wps.com/l/cbCaihSDe9nAYU0p","pdf",787669,"English","# Share Accounts\n## Share Draft Accounts\n# Share Certificates\n# Christmas Club Accounts\n# Individual Retirement Share Accounts\n## IRA Share Certificates\n# NGAGE Spending Account\n## NGAGE Savings Account\n# NGAGE account terms\n## Minimum balance information\n## Automatic renewals of certificates\n## Early withdrawal penalty","[{\"question\":\"How are dividends and interest credited for Share Accounts and Share Draft Accounts?\",\"answer\":\"Both products use a quarterly dividend/interest period and credit dividends quarterly. Share Draft accounts earn no dividend on average daily balances of $10,000.00 or less.\"},{\"question\":\"What minimum requirements apply to IRA Share Accounts?\",\"answer\":\"IRA accounts require a $100.00 minimum to open and maintain an IRA Share Account.\"},{\"question\":\"What are the NGAGE eligibility and reward rules?\",\"answer\":\"NGAGE spending accounts require eDocuments and must meet transaction and enrollment conditions to earn rewards. NGAGE Savings dividends below require qualifying in NGAGE Spending, while non-qualifying NGAGE Savings follow specified rates and do not receive ATM fee refunds.\"},{\"question\":\"How do certificate renewals and early withdrawal penalties work?\",\"answer\":\"Certificates automatically renew for successive terms equal to the original term until presented for payment or until the credit union gives notice to call the certificate. Early withdrawal incurs a penalty of 2.00% of principal balance or 1 year of interest, whichever is less.\"}]","Consumer rate sheet - Share and IRA accounts | PDF",1788561805]