Not cayman islands but one of the islands from the song of the beach boys.
Have not checked the inflation rate over such a long period,only a few years to get an idea, would that be the deciding factor for a future withdrawal rate?
The credit union gets its money by giving out loans to its members(who want it)and also from the savings which at least a part of is deposited into CD's supposedly of which somehow the interest put to the savings accounts are given.