Investment Rates

APR = Annual Percentage Rate And APY = Annual Percentage Yield

(CALCULATOR BELOW)

Savings Accounts

Type of Account	Term	Dividend Rate (A.P.R.)	A.P.Y.
Savings Account	None	0.20%	0.20%
Christmas Club	None	0.20%	0.20%
HSA	None	0.20%	0.20%
IRA Savings	None	0.45%	0.45%

Checking Accounts

Account	Required Balance	Dividend Rate (A.P.R.)	A.P.Y.
Economy Free Pension Plus Checking	$0	0.00%	0.00%
Premium Checking
Tier 1	$0–$2,499	0.00%	0.00%
Tier 2	$2500–$9,999	0.15%	0.15%
Tier 3	$10,000–$24,999	0.20%	0.20%
Tier 4	$25,000 or more	0.25%	0.25%

This is an interest bearing account with dividends that accrue daily and pay monthly on the last day of each month. There is no monthly service charge if a daily minimum balance of $1000 is maintained; otherwise the monthly fee is $15.00.

Money Market Accounts

$100.00-$2,499.00 = 0.15%

$2,500.00-$9,999.99 = 0.25%

$10,000.00-$24,999.99 = 0.35%

$25,000.00-$49,999.99 = 0.45%

$50,000.00 or above = 0.55%

The rate is established monthly, on the 1st of each month. unlimited personal withdrawals, and a limit of six (6) telephone or Internet transfers per month, minimum transfer $500. No more than (3) transfers may be made by check. There is no monthly service charge if a daily minimum balance of $2,500 is maintained; otherwise the monthly fee is $15.00.

Certificate of Deposits & IRA Certificate of Deposits

CALL US FOR OUR CD SPECIALS

Certificate of Deposits (CDs)	Term	Dividend Rate (A.P.R.)	A.P.Y.
Minimum $500	90 Days	0.30%	0.30%
Minimum $5,000	90 Days	0.30%	0.30%
Minimum $50,000	90 Days	0.30%	0.30%
Minimum $100,000	90 Days	0.30%	0.30%
Minimum $500	6 Months	0.55%	0.55%
Minimum $5,000	6 Months	0.60%	0.60%
Minimum $50,000	6 Months	0.90%	0.90%
Minimum $100,000	6 Months	0.90%	0.90%
Minimum $500	12 Months (Includes IRA CD)	0.90%	0.90%
Minimum $5,000	12 Months (Includes IRA CD)	0.90%	0.90%
Minimum $50,000	12 Months (Includes IRA CD)	1.34%	1.35%
Minimum $100,000	12 Months (Includes IRA CD)	1.34%	1.35%
Minimum $500	24 Months (Includes IRA CD)	1.24%	1.25%
Minimum $5,000	24 Months (Includes IRA CD)	1.24%	1.25%
Minimum $50,000	24 months (Includes IRA CD)	1.74%	1.75%
Minimum $100,000	24 months (Includes IRA CD)	1.74%	1.75%
Minimum $500	36 Months (Includes IRA CD)	1.39%	1.40%
Minimum $5,000	36 Months (Includes IRA CD)	1.39%	1.40%
Minimum $50,000	36 Months (Includes IRA CD)	1.39%	1.40%
Minimum $100,000	36 Months (Includes IRA CD)	1.39%	1.40%
Minimum $500	48 Months (Includes IRA CD)	1.44%	1.45%
Minimum $5,000	48 Months (Includes IRA CD)	1.44%	1.45%
Minimum $50,000	48 Months (Includes IRA CD)	1.44%	1.45%
Minimum $100,000	48 Months (Includes IRA CD)	1.44%	1.45%
Minimum $500	60 Months (Includes IRA CD)	1.54%	1.55%
Minimum $5,000	60 Months (Includes IRA CD)	1.54%	1.55%
Minimum $50,000	60 Months (Includes IRA CD)	1.59%	1.60%
Minimum $100,000	60 Months (Includes IRA CD)	1.59%	1.60%

NOTE: Certificates will be subject to a substantial penalty for early withdrawal.
Members should call the credit union to verify rates.

PLEASE USE THIS CALCULATOR BELOW TO ESTIMATE YOUR RETURN ON INVESTMENTS

*Interest Accrued shown in the calculator is an estimation and not guaranteed, please call one of our offices @ 352-629-7596, or 352-414-4447 and ask for our Member Service Department.