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| IRA & Share Certificate Rates | |||||
Quick Link: Rates Main Page | ||
| The following rates are effective on November 1, 2009, and subject to change without notice. For updated information, inquire at any branch office or contact 301-249-1800. | ||
| IRA/ESA ServicesOpen Account Online | |||
|---|---|---|---|
| Choose From Traditional IRA * Roth IRA * SEP IRA* Education Savings Account(ESA) | |||
| Term | Minimum Opening Balance | APY (Annual Percentage Yield) | Dividend Rate |
| 60 months | $1,000 | 3.00% | 2.96% |
| 55 months1 | $5,000 | 3.15% | 3.11% |
| 48 months | $1,000 | 2.55% | 2.52% |
| 36 months Bump Rate2 | $1,000 | 2.00% | 1.98% |
| 36 months | $1,000 | 2.10% | 2.08% |
| 24 months Bump Rate3 | $1,000 | 1.25% | 1.24% |
| 24 months | $1,000 | 1.35% | 1.34% |
| 18 months1 | $5,000 | 2.00% | 1.98% |
| 12 months | $1,000 | 0.80% | 0.80% |
| Add-On 12 months† | $250 | 0.70% | 0.70% |
| Early Savers 12 months†† | $50 | 1.05% | 1.045% |
| 9 months1 | $5,000 | 1.25% | 1.24% |
| 6 months | $1,000 | 0.70% | 0.70% |
| IRA SavingsOpen Account Online | |||
|---|---|---|---|
| Minimum Opening Balance | APY (Annual Percentage Yield) | Dividend Rate | |
| $5.00 | 0.60% | 0.60% | |
Dividends Compounded: Monthly. Dividends Credited: Monthly. Minimum Balance For Dividends: $1,000 (IRA/ESA Certificate); $0.01 (IRA/ESA Savings). Balance Method: Average Daily Balance. Limitations: Refer to Member Services Agreement. *Fees: Refer to Schedule Of Fees.** | |||
| Share Certificate ServicesOpen Account Online | |||
|---|---|---|---|
| Term | Minimum Opening Balance | APY (Annual Percentage Yield) | Dividend Rate |
| 60 months | $1,000 | 3.00% | 2.96% |
| 55 months1 | $5,000 | 3.15% | 3.11% |
| 48 months | $1,000 | 2.55% | 2.52% |
| 36 month Bump Rate2 | $1,000 | 2.00% | 1.98% |
| 36 months | $1,000 | 2.10% | 2.08% |
| 24 months Bump Rate3 | $1,000 | 1.25% | 1.24% |
| 24 months | $1,000 | 1.35% | 1.34% |
| 18 months1 | $5,000 | 2.00% | 1.98% |
| 12 months | $1,000 | 0.80% | 0.80% |
| Add-On 12 months† | $250.00 | 0.70% | 0.70% |
| Early Savers 12 months†† | $50 | 1.05% | 1.045% |
| 9 months1 | $5,000 | 1.25% | 1.24% |
| 6 months | $1,000 | 0.70% | 0.70% |
Dividends Compounded: Monthly. Dividends Credited: Monthly. Minimum Balance For Dividends: $1,000. Balance Method: Average Daily Balance. Limitations: Refer to Member Services Agreement. *Fees: Refer to Schedule Of Fees.** | |||
| Health Savings Certificate Services#Open Account Online | |||
|---|---|---|---|
| Term | Minimum Opening Balance | APY (Annual Percentage Yield) | Dividend Rate |
| 12 months | $2,000 | 0.90% | 0.90% |
| 6 months | $2,000 | 0.80% | 0.80% |
Dividends Compounded: Monthly. Dividends Credited: Monthly. Minimum Balance For Dividends: $2,000. Balance Method: Average Daily Balance. Limitations: Refer to Member Services Agreement. *Fees: Refer to Schedule Of Fees.** #Eligibility requirements apply. | |||
* Accounts closed before the end of the dividend period will not receive accrued dividends.
** Fees could reduce earnings.
1Annual Percentage Yield as of November 1, 2009. Minimum $5,000 deposit required. Early withdrawal penalties apply and may reduce earnings. Special certificates renew automatically as follows: 9-month renews to a standard 6-month term, 18-month renews to a standard 12-month term, and 55-month renews to a standard 60 month term at the rate in effect at the time of renewal unless instructed otherwise. Credit Union reserves the right to limit the number of special certificates opened. This limited-time offer is subject to change at any time without notice.
2Annual Percentage Yield effective November 1, 2009. $1,000 minimum opening balance. One-time option to increase the certificate rate to like bump rate APY for the remainder of the original term to a 36-month rate offered at the time of the requested increase. Special certificate renews automatically for the same term at the rate in effect at the time of renewal unless otherwise directed. Credit Union reserves the right to limit deposits into this special certificate. This limited-time offer is subject to change at any time without notice.
3Annual Percentage Yield effective November 1, 2009. $1,000 minimum opening balance. One-time option to increase the certificate rate to like bump rate APY for the remainder of the original term to a 24-month rate offered at the time of the requested increase. Special certificate renews automatically for the same term at the rate in effect at the time of renewal unless otherwise directed. Credit Union reserves the right to limit deposits into this special certificate. This limited-time offer is subject to change at any time without notice.
†Annual Percentage Yield as of November 1, 2009. Minimum $250 deposit to open; maximum $2,500 per month add on. Special certificate renews automatically to a standard 12-month term at the rate in effect at the time of renewal unless otherwise instructed. Additional deposits of at least $25 must be made by automated means (i.e. account-to-account transfers, eBranch recurring or non-recurring transfers, etc.) but are not required. Early withdrawal penalties apply and may reduce earnings. Additional conditions apply.
††Annual Percentage Yield as of November 1, 2009. Minimum $50 deposit to open. Must be age 23 or under to be eligible. Additional deposits of at least $25 can be made at any time, but are not required. Balance, including dividends, cannot exceed $50,000 and any excess will be automatically transferred to the Prime Savings account. Early withdrawal penalties apply and may reduce earnings. Unless otherwise instructed, at age 24, an Early Savers Certificate will automatically renew to a standard 12-month term at the rate in effect at the time of renewal unless the certificate has a balance of less than $1,000, in which case, the balance will be transferred to the Prime Savings account.
Super Share Certificates ($50,000 minimum) are also available. Please call for more information.
All rates, terms, and availability are subject to change or withdrawal without notice at the discretion of the board of directors. Early withdrawal penalties apply and may reduce earnings.
Share Certificates closed before the end of the dividend period may lose dividends.
