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FRAUD AWARENESS REMINDER

Chartway will NEVER contact you directly and ask for specific confidential information (login credentials, PIN, card number, etc.). Be aware of fraudulent text and phone scams and take extra precaution. If you are contacted unprompted, please call us at (800) 678-8765. We are here to help keep your accounts safe.

Deposit Rates

All Consumer Loan Rates All Consumer Deposit Rates Auto Loan Rates Boat and RV Loan Rates Home Equity and Mortgage Rates Personal Loan Rates Certificate Account Rates Money Market Account Rates Checking Account Rates Savings Account Rates

All Business Loan Rates All Business Deposit Rates Business Line of Credit Rates Business Purpose Auto Rates Business Commercial Vehicle Rates Business Equipment Rates Premium Business Checking Rates

Table data for Today’s Rates
 Effective 07-15-2025
Share Certificate Term Dividend Rate APY Alert Me
6-Month Promo Certificate 4.18% 4.25% Receive a notification when this rate changes
12 Month No Penalty Promo Certificate
(Share Certificate Only)		 3.26% 3.30% Receive a notification when this rate changes
13-Month Promo Certificate 4.28% 4.35% Receive a notification when this rate changes
Share Certificate Term Dividend Rate APY Alert Me
6-11 Month 1.39% 1.40% Receive a notification when this rate changes
12-17 Month 2.33% 2.35% Receive a notification when this rate changes
18-23 Month 1.74% 1.75% Receive a notification when this rate changes
24-35 Month 2.23% 2.25% Receive a notification when this rate changes
36-47 Month 2.13% 2.15% Receive a notification when this rate changes
48-59 Month 2.13% 2.15% Receive a notification when this rate changes
60-71 Month 2.13% 2.15% Receive a notification when this rate changes
Membership eligibility subject to verification. Federally insured by the NCUA.

6-month Promotional Certificate Disclosure – The 6-month Promotional Certificate Annual Percentage Yield (APY). Promotional Certificates are available for new and existing members of Chartway Credit Union. To qualify for the offer, certificates must be funded completely with new deposits. New Deposits are defined as funds not currently on deposit with Chartway Credit Union. Rate effective date February 3, 2025. Chartway Credit Union reserves the right to end or modify the offer at any time. Penalty for early withdrawal. Fees could reduce earnings on the account. The certificate has a minimum $500 balance ($100 if under 18 years old) to open. The 13-month certificate will renew at the current 6-month certificate rate. Rate subject to change. The Credit Union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in the Funds Availability Policy.

13-month Promotional Certificate Disclosure – The 13-month Promotional Certificate Annual Percentage Yield (APY). Promotional Certificates are available for new and existing members of Chartway Credit Union. To qualify for the offer, certificates must be funded completely with new deposits. New Deposits are defined as funds not currently on deposit with Chartway Credit Union. Rate effective date June 9, 2025. Chartway Credit Union reserves the right to end or modify the offer at any time. Penalty for early withdrawal. Fees could reduce earnings on the account. The certificate has a minimum $500 balance ($100 if under 18 years old) to open. The 13-month certificate will renew at the current 12- month certificate rate. Rate subject to change. The Credit Union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in the Funds Availability Policy.

12-month No Penalty Share Certificate Disclosure — The 12-Month No Penalty Share Certificate offers a penalty-free option for early withdrawal. You may make one withdrawal without penalty once your account has been open for at least seven days: however, additional withdrawals will be subject to an early withdrawal penalty of 90 days' dividends. Fees could reduce earnings on the account. The current promotional rate of 4.00% Annual Percentage Yield (APY) is effective February 3, 2025. To qualify for the offer, certificates must be funded completely with new deposits. New Deposits are defined as funds not currently on deposit with Chartway Credit Union. This certificate is available for new and existing members of Chartway Credit Union. Chartway Credit Union reserves the right to end or modify this offer at any time. The 12-Month No Penalty Certificate has a minimum $500 balance ($100 if under 18 years old) to open. The certificate term is 12 months and will renew at the current 12-month No Penalty certificate rate. Rate subject to change. The Credit Union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in the Funds Availability Policy.

Rates shown not available in VA, NC, UT, NV, or TX. Early Withdrawals are subject to an early withdrawal penalty. Flex Term Share Certificates will automatically renew at the lower standard share certificate term for the rate in effect on the renewal date, unless the owner(s) notifies the credit union to the contrary on or before the maturity date. Dividends are compounded and credited quarterly. Rates subject to change. All renewing certificates will receive a .10% rate rewards until further notice. Exceptions are 6 month and 12 month No Penalty and promotional certificates. Please call (800) 678-8765 to obtain current rate information.

Legacy share certificates purchased prior to August 1, 2013 will receive a .25% increase over the current rate excluding the $90,000 and above tiers.

1The Annual Percentage Yield (APY) assumes dividends will remain on deposit until Maturity. Fees could reduce earnings on the account (applies only to maintenance or activity fees).

Table data for Money Market Account Rates
 Effective 07-15-2025
Balance Requirement Dividend Rate APY1 Alert Me
$2,500 - $4,999.99 0.25% 0.25% Receive a notification when this rate changes
$5,000.00 - $9,999.99 0.40% 0.40% Receive a notification when this rate changes
$10,000 - $24,999.99 0.50% 0.50% Receive a notification when this rate changes
$25,000.00 - $49,999.99 0.55% 0.55% Receive a notification when this rate changes
$50,000.00 - $99,999.99 0.60% 0.60% Receive a notification when this rate changes
$100,000 + 0.35% 0.35% Receive a notification when this rate changes
1APY = Annual Percentage Yield. Fees could reduce earnings on the account (applies only to maintenance or activity fees). Variable rates. Rates subject to change at any time without notice.

Table data for Money Market Plus Rates
 Effective 07-15-2025
Balance Requirement Dividend Rate APY1 Alert Me
$10,000 – $24,999.99 0.75% 0.75% Receive a notification when this rate changes
$25,000 – $49,999.99 0.80% 0.80% Receive a notification when this rate changes
$50,000 – $99,999.99 0.85% 0.85% Receive a notification when this rate changes
$100,000 – $249,999.99 0.90% 0.90% Receive a notification when this rate changes
$250,000 – $499,999 1.14% 1.15% Receive a notification when this rate changes
$500,000 – $999,999 2.37% 2.40% Receive a notification when this rate changes
$1,000,000 + 2.37% 2.40% Receive a notification when this rate changes
1Rates displayed include 0.25% APY Relationship Bonus. For Money Market Plus Relationship Bonus Rate accounts, you must maintain a High-Yield, LifePlus, or Business Checking account during the calendar month. The monthly qualified cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. APY = Annual Percentage Yield. Fees could reduce earnings on the account (applies only to maintenance or activity fees). Variable rates. For variable-rate accounts, a statement that the rate may change after the account is opened. OTHER

Table data for High-Yield Checking Rates
 Effective 07-15-2025
Balance Amount Dividend Rate APY1 Alert Me
up to $15,000 4.89%2 5.00%2
above $15,000 0.05% 0.05%
  • 1APY = Annual Percentage Yield.↵
  • 2Advertised rate 4.70% APY effective 2/1/24. Variable rates. Rates subject to change at any time without notice. Additional 0.30% APY with qualified Chartway loan or Chartway Visa credit card. Prime share rate effective if qualifications are not met. $15,000 balance cap. Balances over $15,000 priced at prime share rate.

    Minimum Dividend qualifications: Must perform a minimum of 15 debit card purchases each month, have $500 or more in direct deposits within a monthly cycle in the High–Yield Checking, and be enrolled in estatements with a valid email address.↵
Table data for LifePlus Checking Rates
 Effective 07-15-2025
LifePlus Dividend Rate APY1 Balance Requirements Alert Me
LifePlus (tiered) See LifePlus Checking rates See LifePlus Checking rates
  • 1APY = Annual Percentage Yield.↵

Table data for Share Savings Account Rates
 Effective 07-15-2025
Share Savings Accounts Dividends APY1 Balance Requirement Alert Me
Bonus Savings 2.50% 2.50% $100.00
Prime Share 0.05% 0.05% $100.00
Custom Share 0.05% 0.05% $100.00
Business Prime Share 0.05% 0.05% $100.00
1APY = Annual Percentage Yield. Fees could reduce earnings on the account (applies only to maintenance or activity fees).

Bonus Savings: Bonus Savings account promotional rate of 2.50% APY is effective as of 1/31/24. Dividends are paid quarterly. Rate is subject to change. Annual Percentage Yield (APY). Bonus Savings account is available for new and existing members of Chartway Credit Union. To qualify for the offer, Bonus Savings account must be funded completely with new money. New money is defined as funds not currently on deposit with Chartway Credit Union. Funds transferred from IRA accounts are not eligible for this product. Fees could reduce earnings on the account (applies only to maintenance or activity fees). Chartway senior leadership positions (Vice President and above), Board of Directors, and volunteers are not eligible for this product.

Table data for IRA Share Savings Rate
 Effective 07-15-2025
IRA Share Savings Dividend Rate APY1 Balance Requirement Alert Me
IRA Share 0.25% 0.25% $100.00 - $99,999,99
0.25% 0.25% $100,000 - $149,999.99
0.25% 0.25% $150,000 +
1Annual Percentage Yield. Fees could reduce earnings on the account (applies only to maintenance or activity fees).

Table data for Smart Steps Savings Rates
 Effective 07-15-2025
Balance Requirement Dividend Rate APY1 Alert Me
$0.00 – $2,499.99 4.41% 4.50% Receive a notification when this rate changes
$2,500 – $4,999.99 1.24% 1.25% Receive a notification when this rate changes
$5,000 – $9,999.99 0.75% 0.75% Receive a notification when this rate changes
$10,000 – $24,999.99 0.25% 0.25% Receive a notification when this rate changes
$25,000 + 0.05% 0.05% Receive a notification when this rate changes
1APY = Annual Percentage Yield. APY is accurate as of April 14, 2025, and is subject to change. Members earn 5.00% APY for the first 6 months after account opening. After the 6-month promotional period, the APY will adjust to 4.50%, subject to balance tiers; some tiers may earn the same APY. Dividends are calculated by applying the highest rate based on the balance tier to the entire account balance. Dividends accrue daily and are paid monthly. Fees could reduce earnings on the account. No penalty for withdrawal. Limited to personal accounts; one account per member. Certain conditions and restrictions may apply. Rates and tiers are subject to change without notice. Membership must be completed before account opening. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts