Last Dividend Declaration Date: 12/31/11
The rates, fees and terms applicable to your account at the Credit Union are provided in the Truth-in-Savings Disclosure.
The Credit Union may offer other rates for these accounts from time to time.
 Loan Rates
Fee Schedule, Additional Disclosures
|
|
Rate %
|
Annual
Percentage
Yield
(APY) %
|
Dividends Compounded
|
Dividends Credited
|
Dividend Period
|
Minimum
Opening Deposit
|
Minimum Balance to Avoid a Service Fee
|
Minimum Balance to Earn the Stated APY
|
Balance Method to Calculate Dividends
|
Account Limitations
|
| Primary Shares |
0.200
|
0.20
|
Monthly
|
Monthly
|
Monthly (Calendar)
|
$5.00
|
$100.00
|
$100.00
|
Daily Balance
|
Account transfer limitations apply
|
| Sub Shares |
0.200
|
0.20
|
Monthly
|
Monthly
|
Monthly (Calendar)
|
$1.00
|
–
|
$100.00
|
Daily Balance
|
Account transfer limitations apply
|
| Youth Savings |
0.200
|
0.20
|
Monthly
|
Monthly
|
Monthly (Calendar)
|
$1.00
|
–
|
–
|
Daily Balance
|
Account transfer limitations apply
|
| IRA Shares |
1.200
|
1.21
|
Monthly
|
Monthly
|
Monthly (Calendar)
|
$0.00
|
–
|
–
|
Daily Balance
|
Account transfer limitations apply
|
| Investment Savings |
|
Tier 1:
|
0.350
|
0.35
|
Daily
|
Monthly
|
Monthly (Calendar)
|
$2,500.00
|
$2,500.00
|
$2,500.00
|
Daily Balance
|
Account transfer limitations apply
|
|
Tier 2:
|
0.400
|
0.40
|
$10,000.00
|
|
Tier 3:
|
0.550
|
0.55
|
$25,000.00
|
| Holiday Club |
0.300
|
0.30
|
Monthly
|
Monthly
|
Monthly (Calendar)
|
–
|
–
|
–
|
Daily Balance
|
Account transfer limitations apply
|
| High Yield eChecking |
|
Tier 1:
|
2.472
|
2.50
|
Monthly
|
Monthly
|
Monthly (Calendar)
|
–
|
–
|
–
|
Daily Balance
|
–
|
|
Tier 2:
|
0.250
|
0.25
|
|
Tier 3:
|
0.100
|
0.10
|
Share Certificates as of February 1, 2012
|
|
Dividend Rate %
|
Annual Percentage Yield (APY) %
|
Rate Type
|
Minimum Opening Deposit
|
Dividends Compounded
|
Dividends Credited
|
Dividend Period
|
Additional Deposits
|
Withdrawals
|
Renewals
|
| You Name It Account |
|
Tier 1:
|
0.200
|
0.20
|
Variable
|
–
|
Monthly
|
Monthly
|
Account's Terms
|
Allowed
– No Limit
|
See Truth in Savings Disclosure, Transaction Limitations
|
Automatic
|
|
Tier 2:
|
0.300
|
0.30
|
| Share Certificates |
|
3 month
|
0.300
|
0.30
|
Fixed
|
$1,000.00
|
Monthly
|
Monthly
|
Account's Term
|
Not Allowed
|
See Truth in Savings Disclosure, Transaction Limitations
|
Automatic
|
|
6 month
|
0.500
|
0.50
|
|
9 month
|
0.500
|
0.50
|
|
12 month
|
0.800
|
0.80
|
|
24 month
|
1.000
|
1.00
|
|
12 month
|
0.300
|
0.30
|
Fixed
|
$500.00
|
Monthly
|
Monthly
|
Account's Term
|
Not Allowed
|
See Truth in Savings Disclosure, Transaction Limitations
|
Automatic
|
|
