The Following Dividend Rates have the effective date of: March 1st, 2010
5 Year Step Up Certificate
TERM (YEARS)
MINIMUM DEPOSIT (USD)
OPEN RATE(%)
MATURITY RATE(%)
APY*(%)
5
5000
2.25
4.50
3.40
Rate increases by .25% every 6 months, at which time additional funds may be added. 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. Penalty for early withdrawal is 180 Days of Dividends.
Share and IRA Certificates
TERM (MONTHS)
MINIMUM DEPOSIT (USD)
DIVIDEND RATE(%)
APY*(%)
3
1,000
0.50
0.51
6
1,000
1.00
1.01
12
1,000
1.25
1.26
18
1,000
1.50
1.51
24
1,000
2.00
2.02
36
1,000
2.50
2.53
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. 3 -18 Month Certificates have a 30 day dividend penalty for
early withdrawal. 24 Month Certificates have a 60 day dividend penalty
for early withdrawal. 36 Month Certificates have a 90 day dividend
penalty for early withdrawal.
MONTY MOOSE & TAKE CHARGE CERTIFICATES
TERM (MONTHS)
MINIMUM DEPOSIT (USD)
DIVIDEND RATE(%)
APY*(%)
12
500
1.00
1.01
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
1.50
1.51
ROTH IRA
NONE
1.50
1.51
COVERDELL EDUCATION SAVINGS ACCOUNT
NONE
1.50
1.51
HSAs - Health Savings Accounts
NONE
1.50
1.51
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
0.50
0.51
10,000 to 49,999
NONE
0.75
0.76
50,000 or MORE
NONE
1.00
1.01
*ANNUAL PERCENTAGE YIELD
ALL RATES SUBJECT TO CHANGE AT THE DISCRETION OF
THE BOARD OF DIRECTORS
MEMBERSHIP ELIGIBILITY REQUIRED
5 Year Step Up Certificate
| TERM (YEARS) | MINIMUM DEPOSIT (USD) | OPEN RATE(%) | MATURITY RATE(%) | APY*(%) |
|---|---|---|---|---|
| 5 | 5000 | 2.25 | 4.50 | 3.40 |
Rate increases by .25% every 6 months, at which time additional funds may be added. 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. Penalty for early withdrawal is 180 Days of Dividends.
Share and IRA Certificates
| TERM (MONTHS) | MINIMUM DEPOSIT (USD) | DIVIDEND RATE(%) | APY*(%) |
|---|---|---|---|
| 3 | 1,000 | 0.50 | 0.51 |
| 6 | 1,000 | 1.00 | 1.01 |
| 12 | 1,000 | 1.25 | 1.26 |
| 18 | 1,000 | 1.50 | 1.51 |
| 24 | 1,000 | 2.00 | 2.02 |
| 36 | 1,000 | 2.50 | 2.53 |
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. 3 -18 Month Certificates have a 30 day dividend penalty for
early withdrawal. 24 Month Certificates have a 60 day dividend penalty
for early withdrawal. 36 Month Certificates have a 90 day dividend
penalty for early withdrawal.
MONTY MOOSE & TAKE CHARGE CERTIFICATES
| TERM (MONTHS) | MINIMUM DEPOSIT (USD) | DIVIDEND RATE(%) | APY*(%) |
|---|---|---|---|
| 12 | 500 | 1.00 | 1.01 |
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 | 1.50 | 1.51 |
| ROTH IRA | NONE | 1.50 | 1.51 |
| COVERDELL EDUCATION SAVINGS ACCOUNT | NONE | 1.50 | 1.51 |
| HSAs - Health Savings Accounts | NONE | 1.50 | 1.51 |
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 | 0.50 | 0.51 |
| 10,000 to 49,999 | NONE | 0.75 | 0.76 |
| 50,000 or MORE | NONE | 1.00 | 1.01 |
*ANNUAL PERCENTAGE YIELD
ALL RATES SUBJECT TO CHANGE AT THE DISCRETION OF THE BOARD OF DIRECTORS
MEMBERSHIP ELIGIBILITY REQUIRED
