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Savings Rates
Effective: April 3, 2013
Daily
Access Accounts |
Minimum
Balance* |
Minimum
Balance** |
Dividend
Rate |
Annual
Percentage
Yield |
| Share (Savings) |
$5.00 |
$200.00 |
0.10% |
0.10% |
| Holiday Club |
$10.00 |
$50.00 |
0.10% |
0.10% |
| Free Checking |
$0.00 |
N/A |
0.00% |
0.00% |
| Premium Checking |
$0.00 |
$0.00 |
0.10% |
0.10% |
| Benefits Plus Checking |
$0.00 |
$0.00 |
0.05% |
0.05% |
| Insured Money Market Checking |
$1,000 |
$1,000-$2,499.99 |
0.10% |
0.10% |
| $2,500-$9,999.99 |
0.10% |
0.10% |
| $10,000-$24,999.99 |
0.10% |
0.10% |
| $25,000-$49,999.99 |
0.15% |
0.15% |
| $50,000-$99,999.99 |
0.17% |
0.17% |
| $100,000+ |
0.20% |
0.20% |
| Insured Money Market Plus |
$50,000 |
$50,000 |
0.20% |
0.20% |
| $50,000
minimum - New Money Only |
| *Required to
open an account
**Required to earn the APY |
|
Investment Accounts |
Minimum
Balance* |
Minimum
Balance** |
Dividend
Rate |
Annual
Percentage
Yield |
| | Term
Certificates |
|
Cash First Certificate
- 12 Month Only
- $10,000 minimum
- New Money Only
- Dividends Paid in Advance |
$10,000 |
$10,000 |
0.25% |
0.25% |
Cash First Asset Builder Certificate
- 12 Months Only
- $1,000 minimum
- New Money Only
- Dividends Paid in Advance
| $1,000 |
$1,000 |
0.20% |
0.20% |
|
| 180-364 days |
$1,000 |
0.10% |
0.10% |
| $25,000 |
0.15% |
0.15% |
| $50,000 |
0.20% |
0.20% |
| $75,000 |
0.20% |
0.20% |
| $100,000 |
0.25% |
0.25% |
|
12-23 months
***55+ Advantage Term Certificate
- 12 months only
- $10,000 minimum
- New Money Only
| $1,000 |
0.20% |
0.20% |
| $25,000 |
0.25% |
0.25% |
| $50,000 |
0.30% |
0.30% |
| $75,000 |
0.30% |
0.30% |
| $100,000 |
0.35% |
0.35% |
| | 24-35
months |
$1,000 |
0.35% |
0.35% |
| $25,000 |
0.40% |
0.40% |
| $50,000 |
0.45% |
0.45% |
| $75,000 |
0.45% |
0.45% |
| $100,000 |
0.50% |
0.50% |
| | 36-47
months |
$1,000 |
0.60% |
0.60% |
| $25,000 |
0.60% |
0.60% |
| $50,000 |
0.65% |
0.65% |
| $75,000 |
0.65% |
0.65% |
| $100,000 |
0.70% |
0.70% |
| | 48-59
months |
$1,000 |
0.80% |
0.80% |
| $25,000 |
0.85% |
0.85% |
| $50,000 |
0.90% |
0.90% |
| $75,000 |
0.90% |
0.90% |
| $100,000 |
0.95% |
0.95% |
|
| 60 months |
$1,000 |
1.10% |
1.11% |
| $25,000 |
1.10% |
1.11% |
| $50,000 |
1.15% |
1.16% |
| $75,000 |
1.15% |
1.16% |
| $100,000 |
1.20% |
1.21% |
| *Required
to earn the APY |
| | IRA
& Roth IRA Savings |
$100 |
0.10% |
0.10% |
| | IRA &
Roth IRA Term Certificates |
12-23 months
**Includes 55+Advantage
- 12 month only
- $1,000 minimum
- New Money Only |
$1,000 |
0.20% |
0.20% |
| $25,000 |
0.25% |
0.25% |
| $50,000 |
0.30% |
0.30% |
| $75,000 |
0.30% |
0.30% |
| $100,000 |
0.35% |
0.35% |
| | 24-35
months |
$1,000 |
0.35% |
0.35% |
| $25,000 |
0.40% |
0.40% |
| $50,000 |
0.45% |
0.45% |
| $75,000 |
0.45% |
0.45% |
| $100,000 |
0.50% |
0.50% |
| | 36-47
months |
$1,000 |
0.60% |
0.60% |
| $25,000 |
0.60% |
0.60% |
| $50,000 |
0.65% |
0.65% |
| $75,000 |
0.65% |
0.65% |
| $100,000 |
0.70% |
0.70% |
| | 48-59 months |
$1,000 |
0.80% |
0.80% |
| $25,000 |
0.85% |
0.85% |
| $50,000 |
0.90% |
0.90% |
| $75,000 |
0.90% |
0.90% |
| $100,000 |
0.95% |
0.95% |
| | 60 months |
$1,000 |
1.10% |
1.11% |
| $25,000 |
1.10% |
1.11% |
| $50,000 |
1.15% |
1.16% |
| $75,000 |
1.15% |
1.16% |
| $100,000 |
1.20% |
1.21% |
The Annual Percentage Yields
(APY)
and dividend rates listed on this page are accurate
as of the above date. For all accounts except Term
Share Certificate accounts, dividends are paid from
current income and available earnings, after
required transfers to reserves at the end of a
dividend period. Fees or other conditions could
reduce earnings on any of the listed accounts. For
all Share (Savings), Share Draft (Checking), and
Insured Money Market Accounts, the prospective
Dividend Rates and prospective APYs are set forth
above. All Dividends with the exception of Term
Share Certificate Accounts are paid monthly. There
is a substantial penalty for early withdrawal of
Certificate funds. There may be Federal penalties
for early withdrawal of IRA funds. Dividends and
APYs may change monthly on Savings, Checking, and
Insured Money Market Accounts as declared by the
Board of Directors. The dividend rate and APY for
each Term Share Certificate Account (Regular, IRA,
Prime Time) are set forth above. For purpose of this
disclosure these dividend rates and APYs were
offered within the most recent seven calendar days
and were accurate through the last date set forth
above. Rates and Terms are subject to change
without notice. Please call Fiscal Credit Union at
(800) 311-3328 to obtain current rate information.
For a complete disclosure of Terms and Conditions
refer to the Fiscal Credit Union Account Agreement and Truth-In-Savings and Electronic Services Disclosure Agreement.
***All 55+ Advantage dividends are calculated and paid monthly. Add 0.02% to the rate for every year you are over age 55.
Insured Money Market Plus Annual Percentage Yield
("APY") set forth above is accurate as of the
last dividend declaration date. The dividend rate and
the APY may vary each week as determined by the Credit
Union's Board of Directors. The minimum opening
deposit and the minimum balance required to earn the
APY is $50,000. Fees could reduce the earnings on the
account.
Penalties for early withdrawal may reduce earnings.
Cash First & Cash First Asset Builder Term
Certificates are non-compounding accounts. Dividends
are paid within 15 calendar days of opening the account. Earned dividends are deposited into a Fiscal Checking, Money Market or new Certificate account.
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