dividend rates
| Share Accounts | ||||
| Effective Date: March 20, 2010 | ||||
| Account Type | Account Minimum | Dividend Minimum | Dividend Rate | Annual Percentage Yield (APY) |
| Regular Shares | $50.00 | $150.00 | 0.25% | 0.25% |
| Scottie Savers (ages 0 -12) | $5.00 | $5.00 | 0.25% | 0.25% |
| Money$mart Club (ages 13-19) | $50.00 | $150.00 | 0.25% | 0.25% |
| Summertime Savings* | $50.00 | $50.00 | 3.92% | 4.00% |
| * With payroll deposit, maximum amount per month $2,000.00 | ||||
| The above rates are variable, subject to change without notice, and are the anticipated rates and annual percentage yields for the current dividend period. | ||||
| Money Market Accounts | ||||
| Effective Date: March 20, 2010 | ||||
| Level | Account Minimum | Dividend Minimum | Dividend Rate | Annual Percentage Yield (APY) |
| Tier 1 | $1,000.00 | $1,000.00 | 0.25% | 0.25% |
| Tier 2 | $2,500.00 | $2,500.00 | 0.50% | 0.50% |
| Tier 3 | $10,000.00 | $10,000.00 | 0.75% | 0.75% |
| Tier 4 | $20,000.00 | $20,000.00 | 1.00% | 1.00% |
| Tier 5 | $50,000.00 | $50,000.00 | 1.14% | 1.15% |
| Tier 6 | $100,000.00 | $100,000.00 | 1.24% | 1.25% |
| The above rates are variable, subject to change without notice, and are the anticipated rates and annual percentage yields for the current dividend period. | ||||
| Note: If the average daily balance falls below the $1,000, no dividends will be paid on the account. | ||||
| Regular Share IRA | ||||
| Effective Date: March 20, 2010 | ||||
| Level | Account Minimum | Dividend Minimum | Dividend Rate | Annual Percentage Yield (APY) |
| Tier 1 | $50.00 | $50.00 | 0.25% | 0.25% |
| Tier 2 | $2,500.00 | $2,500.00 | 0.50% | 0.50% |
| Tier 3 | $10,000.00 | $10,000.00 | 0.75% | 0.75% |
| Tier 4 | $20,000.00 | $20,000.00 | 1.00% | 1.00% |
| Tier 5 | $50,000.00 | $50,000.00 | 1.14% | 1.15% |
| Tier 6 | $100,000.00 | $100,000.00 | 1.24% | 1.25% |
| The above rates are variable, subject to change without notice, and are the anticipated rates and annual percentage yields for the current dividend period. | ||||
| Certificate Accounts | ||||||
| Effective Date: March 20, 2010 | ||||||
| $2,000 Minimum | ||||||
| Term | Dividend Rate (Classic/Bronze) | APY (Classic/Bronze) | Dividend Rate (Silver) | APY (Silver) | Dividend Rate (Gold) | APY |
| 6 Month Certificate | 1.05% | 1.05% | 1.09% | 1.10% | 1.14% | 1.15% |
| 12 Month Certificate | 1.39% | 1.40% | 1.44% | 1.45% | 1.49% | 1.50% |
| 24 Month Certificate | 1.93% | 1.95% | 1.98% | 2.00% | 2.03% | 2.05% |
| 36 Month Certificate | 2.27% | 2.30% | 2.32% | 2.35% | 2.37% | 2.40% |
| 48 Month Certificate | 2.76% | 2.80% | 2.81% | 2.85% | 2.86% | 2.90% |
| 60 Month Certificate | 3.01% | 3.05% | 3.05% | 3.10% | 3.10% | 3.15% |
| Traditional and Roth Individual Retirement Accounts | ||||||
| Effective Date: March 20, 2010 | ||||||
| $2,000 Minimum | ||||||
| Term | Dividend Rate (Classic/Bronze) | APY (Classic/Bronze) | Dividend Rate (Silver) | APY (Silver) | Dividend Rate (Gold) | APY |
| 12 Month Certificate | 1.39% | 1.40% | 1.44% | 1.45% | 1.49% | 1.50% |
| 24 Month Certificate | 1.93% | 1.95% | 1.98% | 2.00% | 2.03% | 2.05% |
| 36 Month Certificate | 2.27% | 2.30% | 2.32% | 2.35% | 2.37% | 2.40% |
| 48 Month Certificate | 2.76% | 2.80% | 2.81% | 2.85% | 2.86% | 2.90% |
| 60 Month Certificate | 3.01% | 3.05% | 3.05% | 3.10% | 3.10% | 3.15% |
| Jumbo Certificates and IRA Accounts | ||
| Effective Date: Saturday, March 20th, 2010 | ||
| $50,000 Minimum | ||
| Term | Dividend Rate | Annual Percentage Yield (APY) |
| 6 Month Certificate | 1.19% | 1.20% |
| 12 Month Certificate | 1.54% | 1.55% |
| 24 Month Certificate | 2.08% | 2.10% |
| 36 Month Certificate | 2.42% | 2.45% |
| 48 Month Certificate | 2.91% | 2.95% |
| 60 Month Certificate | 3.15% | 3.20% |
| NOTE: Jumbo rates are offered only on "certificate" account balances of $50,000 or more. | ||
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.
