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| Share Accounts | ||||
| Effective Date: February 4, 2012 | ||||
| Account Type | Account Minimum | Dividend Minimum | Dividend Rate | Annual Percentage Yield (APY) |
| Regular Shares | $5.00 | $150.00 | 0.10% | 0.10% |
| Summertime Savings* | $50.00 | $50.00 | 1.49% | 1.50% |
| Summertime Savings for School Employees*† | $50.00 | $50.00 | 2.96% | 3.00% |
| * With payroll deposit, maximum amount of deposit per month $2,000.00; $25 early withdrawal penalty period: Sept 1st – May 31st | ||||
| † School employees on a 10 and 11 month pay period schedule | ||||
| The above rates are variable, subject to change without notice, and are the anticipated rates and annual percentage yields for the current dividend period. | ||||
| Youth (Savings) Share Accounts | ||||
| Effective Date: February 4, 2012 | ||||
| Term | Account Minimum | Dividend Minimum | Dividend Rate | APY |
| MoneyLand (Ages 8-under) |
$5.00 | $5.00 | 0.25% | 0.25% |
| Money101 (Ages 9-12) |
$5.00 | $5.00 | 0.25% | 0.25% |
| Money$mart (Ages 13-17) |
$5.00 | $25.00 | 0.25% | 0.25% |
| MoneyBound (Ages 18-24) |
$5.00 | $25.00 | 0.25% | 0.25% |
| The above rates are variable, subject to change without notice and are anticipated rates and annual percentage yields for the current dividend rate. | ||||
| 0.10 rate bonus when balance reaches $500, $1,000, and $1,500. | ||||
| Regular Share IRA | ||||
| Effective Date: February 4, 2012 | ||||
| Level | Account Minimum | Dividend Minimum | Dividend Rate | Annual Percentage Yield (APY) |
| Tier 1 | $50.00 | $150.00 | 0.10% | 0.10% |
| Tier 2 | $2,500.00 | $2,500.00 | 0.10% | 0.10% |
| Tier 3 | $10,000.00 | $10,000.00 | 0.15% | 0.15% |
| Tier 4 | $20,000.00 | $20,000.00 | 0.25% | 0.25% |
| Tier 5 | $50,000.00 | $50,000.00 | 0.35% | 0.35% |
| Tier 6 | over $100,000 | over $100,000 | 0.45% | 0.45% |
| The above rates are variable, subject to change without notice, and are the anticipated rates and annual percentage yields for the current dividend period. | ||||
| If your average daily balance is from $50 to $2,499, the first dividend rate and annual percentage yield listed for this account will apply. | ||||
| Money Market Account | ||||
| Effective Date: February 4, 2012 | ||||
| $1,000 Minimum | ||||
| Term | Account Minimum | Dividend Minimum | Dividend Rate | Annual Percentage Yield (APY) |
| Tier 1 | $1,000.00 | $1,000.00 | 0.10% | 0.10% |
| Tier 2 | $2,500.00 | $2,500.00 | 0.10% | 0.10% |
| Tier 3 | $10,000.00 | $10,000.00 | 0.15% | 0.15% |
| Tier 4 | $20,000.00 | $20,000.00 | 0.25% | 0.25% |
| Tier 5 | $50,000.00 | $50,000.00 | 0.35% | 0.35% |
| Tier 6 | Over $100,000 | Over $100,000 | 0.45% | 0.45% |
| The rates above are variable, subject to change without notice, and are anticipated rates and annual percntage yields for the current dividend period. | ||||
| If your average daily balance is from $50 to $2,499, the first dividend rate and annual percentage yield listed for this account will apply. | ||||
| Share Certificates | ||||
| Effective Date: February 4, 2012 | ||||
| $2,000 Minimum | ||||
| Term | Dividend Rate | APY | ||
| Share Cetificate | $2,000 Minimum | |||
| 6 Month Certificate | 0.30% | 0.30% | ||
| 12 Month Certificate | 0.40% | 0.40% | ||
| 24 Month Certificate | 0.55% | 0.55% | ||
| 28 Month Certificate | 0.65% | 0.65% | ||
| ||||
| 36 Month Certificate | 0.75% | 0.75% | ||
| 48 Month Certificate | 1.00% | 1.00% | ||
| 60 Month Certificate | 1.29% | 1.30% | ||
| Jumbo Certificates | ||
| Effective Date: February 4, 2012 | ||
| $50,000 Minimum | ||
| Term | Dividend Rate | APY |
| 6 Months Certificate | 0.40% | 0.40% |
| 12 Months Certificate | 0.50% | 0.50% |
| 24 Months Certificate | 0.65% | 0.65% |
| 36 Months Certificate | 0.85% | 0.85% |
| 48 Months Certificate | 1.09% | 1.10% |
| 60 Months Certificate | 1.39% | 1.40% |
| Regular IRA Certificate | ||
| Effective Date: February 4, 2012 | ||
| $2,000 Minimum | ||
| Term | Dividend Rate | Annual Percentage Yield (APY) |
| 12 Month Certificate | 0.40% | 0.40% |
| 24 Month Certificate | 0.55% | 0.55% |
| 36 Month Certificate | 0.75% | 0.75% |
| 48 Month Certificate | 1.00% | 1.00% |
| 60 Month Certificate | 1.29% | 1.30% |
| Jumbo IRA Certificate | ||
| Effective Date: February 4, 2012 | ||
| $50,000 Minimum | ||
| Term | Dividend Rate | APY |
| 12 Months | 0.50% | 0.50% |
| 24 Months | 0.65% | 0.65% |
| 36 Months | 0.85% | 0.85% |
| 48 Months | 1.09% | 1.10% |
| 60 Months | 1.39% | 1.40% |
| Youth Saver Certificate | ||
| Effective Date: February 4, 2012 | ||
| $25 Minimum | ||
| Term | Dividend Rate | Annual Percentage Yield (APY) |
| 12 Month Certificate | 0.75% | 0.75% |
| Additional $25 deposits will be allowed at anytime. One penalty free withdrawal during 12-month term. Only Youth Account members are allowed to have a Youth Saver Certificate. | ||
Rates and terms are subject to change without notice. Share deposits are insured by the NCUA to a maximum of $250,000. IRA's are insured separately by the NCUA to a maximum of $250,000. There is a substantial penalty for early withdrawal of certificate funds which could reduce the earnings on your account. There may be an additional IRS penalty for early withdrawal of IRA funds.
Your savings are federally insured to at least $250,000 and backed by the full faith and Credit of the United States Government; NCUA-National Credit Union Administration, a U.S. Government Agency.
Combined Share or Loan Balances: $0.00-$3,499.99- Classic Member, $3,500.00 - $9,999.99 - Bronze Member, $10,000.00-$19,999.99-Silver Member and balances over $20,000-Gold Member.
