Rates
Rates Effective: Tuesday, March 9th, 2010
These rates are subject to change without notice.
Personal Loan Rates | Real Estate Loan Rates
| Accounts | Dividend Rate % | Annual % Yield | Min. Opening Balance | Min. Bal. To Avoid Fee | Balance To Earn Dividends | Dividend Compounded & Credited |
Dividend Period |
Membership Savings $100-$499 |
0.00% 0.15% 0.25% |
0.00% 0.15% 0.25% |
$25.00 | - | $100.00 | Monthly | Monthly |
2.96% |
3.00% | - | - | - | Monthly | Monthly | |
| Christmas Club $0-$9,999 $10,000+ |
1.00% 0.50% |
1.00% 0.50% |
$10.00 | - | $10.00 | Monthly | Monthly |
| Vacation Club $0-$9,999 $10,000+ |
1.00% 0.50% |
1.00% 0.50% |
$10.00 | - | $10.00 | Monthly | Monthly |
| Millionaires Club $0-$499 $500+ |
0.15% 0.25% |
0.15% 0.25% |
$5.00 | - | $5.00 | Monthly | Monthly |
| My Money Zone $0-$499 $500+ |
0.15% 0.25% |
0.15% 0.25% |
$5.00 | - | $5.00 | Monthly | Monthly |
| College and Careers below $100 $100-$499 $500+ |
0.00% 0.25% 0.50% |
0.00% 0.25% 0.50% |
$25.00 | - | $100.00 | Monthly | Monthly |
| Roam Free Checking $1,000-$9999 $10,000-$49,999 $50,000+ |
0.05% 0.15% 0.25% |
0.05% 0.15% 0.25% |
$0.00 | - | $1,000.00 | Monthly | Monthly |
| Green Account $1000-$9,999 $10,000-$49,000 $50,000+ |
0.05% 0.15% 0.25% |
0.05% 0.15% 0.25% |
$0.00 | - | $1,000 | Monthly | Monthly |
| Member Select Money Market |
0.40% | 0.40% | $5,000.00 | $5,000.00 | Monthly | Monthly | |
| Pinnacle Select $0-$2,499 $2,500-$99,999 $100,000+ |
0.00% 0.75% 1.25% |
0.00% 0.00%-0.73% 0.73%- 1.15% |
$2,500.00 | - | $2,500.00 | Monthly | Monthly |
| Share Certificates | Dividend Rate % | Annual % Yield | Min. Opening Balance | Min. Bal. To Avoid Fee | Balance To Earn Dividends | Dividend Compounded & Credited |
Dividend Period |
| 3 Month Share Certificate | 0.99% | 1.00% | $500 | - | $500 | Monthly | Monthly |
| 6 Month Share Certificate | 1.24% | 1.25% | $500 | - | $500 | Monthly | Monthly |
| 1 Year Share Certificate | 1.48% | 1.50% | $500 | - | $500 | Monthly | Monthly |
| 18 Month Share Certificate | 1.73% | 1.75% | $500 | - | $500 | Monthly | Monthly |
| 2 Year Share Certificate | 1.98% | 2.00% | $500 | - | $500 | Monthly | Monthly |
| 3 Year Share Certificate | 2.47% | 2.50% | $500 | - | $500 | Monthly | Monthly |
| 5 Year Share Certificate | 2.95% | 3.00% | $500 | - | $500 | Monthly | Monthly |
| TRUTH-IN-SAVINGS DISCLOSURE | |||||||
| Rate Information. The dividend rate and annual percentage yield is set forth on this schedule. For all dividend bearing accounts, the dividend rate and annual percentage yield may change as determined by the Board of Directors. The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and compounding frequency for an annual period. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date which is set forth in the rate schedule. The dividend rates and annual percentage yield applicable to each account depends on the balance ranges set forth onthis schedule. Once a balance range is met, the highest dividend rate and annual percentage yield for that range will apply to the entire balance in your account. Nature of Dividends. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Compounding and Crediting. Dividends are will be compounded and credited as set forth in this schedule. For dividend bearing accounts, the dividend period begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period as set forth on this schedule. Balance Computation Method. Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. Accrual of Dividends. Dividends will begin to accrue on the business day you place noncash items (e.g. checks) to your account. Fees and Charges. Refer to the Fee Schedule for current fees and charges that may be assessed against your account. Transaction Limits. During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union. Par Value. The par value of a share in this credit union is $25.00. *IRA Ceritificate. The normal CD early withdrawal penalty will be imposed. However, the IRS may impose a 10% penalty if funds are withdrawn before age 59 ½. Certain exceptions may apply. The Credit Union may offer other rates or ammend the rates contained in this schedule from time to time. Each account holder agrees to the terms set forth on this rate scheudle and acknowledges that it is a part of the membership and account agreement. The dividend rate and annual percentage yields for each account offered by the Creidt Union are effective as of the effective date indicated on this schedule. For savings and checking the rate and yield may change. Account fees may reduce earnings. Please call 800.342.9278 or 316.683.1199 to obtain current rate information. This Credit Union is federally insured by the National Credit Union Administration. |
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