Rates Effective: January 9th, 2012
Certificate Rates
Term: 6 Month
Minimum Opening Deposit: $500.00
| Tier |
Dividend Rate |
Annual Percentage Yield |
| $500.00 - $9,999.99 |
0.20% |
0.20% |
| $10,000.00 - $24,999.99 |
0.25% |
0.25% |
| $25,000.00 - $49,999.99 |
0.30% |
0.30% |
| $50,000.00 |
0.35% |
0.35% |
Term: 12 Months (Easy Saver)*
Minimum Opening Deposit: $100.00
| Tier |
Dividend Rate |
Annual Percentage Yield |
| N/A |
0.38% |
0.38% |
Term: 12 Months (MSA)***
Minimum Opening Deposit: $100.00
| Tier |
Dividend Rate |
Annual Percentage Yield |
| N/A |
0.38% |
0.38% |
Term: 12 Months
Minimum Opening Deposit: $1,000.00
| Tier |
Dividend Rate |
Annual Percentage Yield |
| $1,000.00 - $9,999.99 |
0.33% |
0.33% |
| $10,000.00 - $24,999.99 |
0.38% |
0.38% |
| $25,000.00 - $49,999.99 |
0.43% |
0.43% |
| $50,000.00 |
0.48% |
0.48% |
Term: 18 Months **
Minimum Opening Deposit: $1,000.00
| Tier |
Dividend Rate |
Annual Percentage Yield |
| $1,000.00 - $9,999.99 |
0.50% |
0.50% |
| $10,000.00 - $24,999.99 |
0.50% |
0.50% |
| $25,000.00 - $49,999.99 |
0.50% |
0.50% |
| $50,000.00 |
0.50% |
0.50% |
Term: 24 Months
Minimum Opening Deposit: $1,000.00
| Tier |
Dividend Rate |
Annual Percentage Yield |
| $1,000.00 - $9,999.99 |
0.63% |
0.63% |
| $10,000.00 - $24,999.99 |
0.68% |
0.68% |
| $25,000.00 - $49,999.99 |
0.73% |
0.73% |
| $50,000.00 |
0.78% |
0.78% |
Term: 36 Months
Minimum Opening Deposit: $1,000.00
| Tier |
Dividend Rate |
Annual Percentage Yield |
| $1,000.00 - $9,999.99 |
0.87% |
0.87% |
| $10,000.00 - $24,999.99 |
0.92% |
0.92% |
| $25,000.00 - $49,999.99 |
0.97% |
0.97% |
| $50,000.00 |
1.02% |
1.02% |
Term: 48 Months
Minimum Opening Deposit: $1,000.00
| Tier |
Dividend Rate |
Annual Percentage Yield |
| $1,000.00 - $9,999.99 |
1.12% |
1.12% |
| $10,000.00 - $24,999.99 |
1.16% |
1.17% |
| $25,000.00 - $49,999.99 |
1.21% |
1.22% |
| $50,000.00 |
1.26% |
1.27% |
Term: 60 Months
Minimum Opening Deposit: $1,000.00
| Tier |
Dividend Rate |
Annual Percentage Yield |
| $1,000.00 - $9,999.99 |
1.46% |
1.47% |
| $10,000.00 - $24,999.99 |
1.51% |
1.52% |
| $25,000.00 - $49,999.99 |
1.56% |
1.57% |
| $50,000.00 |
1.61% |
1.62% |
Dividends Compounding and Crediting.
The compounding and crediting of dividends applicable to each account is set
forth in the Rate and Fee Schedule. The Dividend Period begins on the first calendar day
of the quarter and ends on the last calendar day of the quarter unless specified
monthly to a share account. (Certificates that are disbursed monthly do not qualify
for the tiering of accounts and will be set at the rate of the second tier.) Easy
Saver Certificate and Military Savers Account (MSA) are paid monthly. At account opening,
you may have accrued dividends withdrawn or transferred to a share account. If you select
either option, the annual percentage yield on your account will be set forth on the account
receipt.
Call or stop by your local branch for current account disclosures.
* For members below 18 years of age.
** Bump-up option. This option maximized the return on your investment by allowing you,
at one time during the term of your certificate, contact the credit union and your current
dividend rate will be changed to the dividend rate of the current month for your level. This currently
applies only to the 18 month certificate.
*** Military Savers Account is offered only to military personnel and their dependents, during Military Saves Week.
