The Following Dividend Rates have the effective date of: January 2nd, 2009
Share and IRA Certificates
TERM (MONTHS)
MINIMUM DEPOSIT (USD)
DIVIDEND RATE(%)
APY*(%)
3
1,000
3.00
3.04
6
1,000
2.25
2.07
12
1,000
2.25
2.27
18
1,000
2.25
2.27
24
1,000
2.25
2.27
36
1,000
4.00
4.07
Fees may reduce earnings on share accounts. These dividend rates are subject to change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. IRA withdrawals may be subject to a federal early withdrawal penalty and federal and state taxation. Call the credit union to obtain a copy of our Truth in Savings Disclosure.
MONTY MOOSE & TAKE CHARGE CERTIFICATES
TERM (MONTHS)
MINIMUM DEPOSIT (USD)
DIVIDEND RATE(%)
APY*(%)
6
500
3.00
3.05
These dividend rates are subject to change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal.
SHARE ACCOUNTS
TYPE
MINIMUM DEPOSIT (USD)
DIVIDEND RATE(%)
APY*(%)
SHARES
25
0.25
0.25
CLUB
NONE
0.25
0.25
SHARE DRAFT
NONE
0.0
0.0
TRADITIONAL IRA
NONE
2.25
2.27
ROTH IRA
NONE
2.25
2.27
COVERDELL EDUCATION SAVINGS ACCOUNT
NONE
2.25
2.27
IRA withdrawals may be subject to a federal early withdrawal penalty and federal and state taxation. Call the credit union to obtain a copy of our IRA Trust Agreement and Disclosure.
CERTIFICATE SAVINGS ACCOUNT
TIER (USD)
MINIMUM DESPOSIT (USD)
DIVIDEND RATE(%)
APY*(%)
0 to 2,499
NONE
0.25
0.25
2,500 to 9,999
NONE
1.25
1.26
10,000 to 49,999
NONE
1.50
1.51
50,000 or MORE
NONE
1.75
1.77
*ANNUAL PERCENTAGE YIELD
ALL RATES SUBJECT TO CHANGE AT THE DISCRETION OF
THE BOARD OF DIRECTORS
MEMBERSHIP ELIGIBILITY REQUIRED
Share and IRA Certificates
| TERM (MONTHS) | MINIMUM DEPOSIT (USD) | DIVIDEND RATE(%) | APY*(%) |
|---|---|---|---|
| 3 | 1,000 | 3.00 | 3.04 |
| 6 | 1,000 | 2.25 | 2.07 |
| 12 | 1,000 | 2.25 | 2.27 |
| 18 | 1,000 | 2.25 | 2.27 |
| 24 | 1,000 | 2.25 | 2.27 |
| 36 | 1,000 | 4.00 | 4.07 |
Fees may reduce earnings on share accounts. These dividend rates are subject to change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. IRA withdrawals may be subject to a federal early withdrawal penalty and federal and state taxation. Call the credit union to obtain a copy of our Truth in Savings Disclosure.
MONTY MOOSE & TAKE CHARGE CERTIFICATES
| TERM (MONTHS) | MINIMUM DEPOSIT (USD) | DIVIDEND RATE(%) | APY*(%) |
|---|---|---|---|
| 6 | 500 | 3.00 | 3.05 |
These dividend rates are subject to change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal.
SHARE ACCOUNTS
| TYPE | MINIMUM DEPOSIT (USD) | DIVIDEND RATE(%) | APY*(%) |
|---|---|---|---|
| SHARES | 25 | 0.25 | 0.25 |
| CLUB | NONE | 0.25 | 0.25 |
| SHARE DRAFT | NONE | 0.0 | 0.0 |
| TRADITIONAL IRA | NONE | 2.25 | 2.27 |
| ROTH IRA | NONE | 2.25 | 2.27 |
| COVERDELL EDUCATION SAVINGS ACCOUNT | NONE | 2.25 | 2.27 |
IRA withdrawals may be subject to a federal early withdrawal penalty and federal and state taxation. Call the credit union to obtain a copy of our IRA Trust Agreement and Disclosure.
CERTIFICATE SAVINGS ACCOUNT
| TIER (USD) | MINIMUM DESPOSIT (USD) | DIVIDEND RATE(%) | APY*(%) |
|---|---|---|---|
| 0 to 2,499 | NONE | 0.25 | 0.25 |
| 2,500 to 9,999 | NONE | 1.25 | 1.26 |
| 10,000 to 49,999 | NONE | 1.50 | 1.51 |
| 50,000 or MORE | NONE | 1.75 | 1.77 |
*ANNUAL PERCENTAGE YIELD
ALL RATES SUBJECT TO CHANGE AT THE DISCRETION OF THE BOARD OF DIRECTORS
MEMBERSHIP ELIGIBILITY REQUIRED
