| |
Dividend Rates Effective as of
November 20, 2008
Savings Options*
|
| Product |
Share Types |
Minimum
Balance |
Dividend
Rate |
Annual
Percentage Yield |
 |
|
Regular Share (Savings)
|
01, 03, 04, 06, 10, 30
|
$0 - $1,500
|
0.25
%
|
0.25
%
|
|
|
|
Regular Share (Savings)
|
01, 03, 04, 06, 10, 30
|
$1,501 - $5,000
|
0.25
%
|
0.25
%
|
|
|
|
Regular Share (Savings)
|
01, 03, 04, 06, 10, 30
|
$5,001 and over
|
0.75
%
|
0.75
%
|
|
|
|
Holiday Club
|
11
|
Balances Over $5
|
0.50
%
|
0.50
%
|
|
IRA Accounts
|
| Product |
Share Types |
Minimum
Balance |
Dividend
Rate |
Annual
Percentage Yield |
|
|
IRA Share Account
|
|
Balances over $100
|
0.75
%
|
0.75
%
|
|
|
|
90 Day Fixed
|
01,02,03
|
Balances over $500
|
2.50
%
|
2.53
%
|
|
|
|
6 Month Fixed
|
04,05,06
|
Balances over $500
|
2.75
%
|
2.78
%
|
|
|
|
9 Month Fixed
|
07,08,09
|
Balances over $500
|
3.30
%
|
3.35
%
|
|
|
|
12 Month Fixed
|
21,22,23
|
Balances Over $500
|
3.35
%
|
3.40
%
|
|
|
|
15 Month Fixed
|
10,11,12
|
Balances over $500
|
3.40
%
|
3.45
%
|
|
|
|
18 Month Fixed
|
88,89,90,91
|
Balances over $500
|
3.50
%
|
3.56
%
|
|
|
|
22 Month Fixed
|
13,14,15
|
Balances over $500
|
3.55
%
|
3.61
%
|
|
|
|
24 Month Fixed
|
24,25,26
|
Balances Over $500
|
3.60
%
|
3.66
%
|
|
|
|
29 Month Fixed
|
16,17,18
|
Balances over $500
|
3.65
%
|
3.71
%
|
|
|
|
36 Month Fixed
|
27,28,29
|
Balances Over $500
|
3.75
%
|
3.82
%
|
|
|
|
48 Month Fixed
|
19,20,35
|
Balances over $500
|
3.90
%
|
3.97
%
|
|
|
|
60 Month Fixed
|
31,32,33
|
Balances Over $500
|
4.10
%
|
4.18
%
|
|
|
|
60 Month Variable Rate IRA Certificate †
|
84,85,86,87
|
Balances Over $500
|
2.90
%
|
2.94
%
|
|
Checking Options*
|
| Product |
Share Types |
Minimum
Balance |
Dividend
Rate |
Annual
Percentage Yield |
|
|
Co-op Advantage Checking**
|
74
|
For qualifying accounts on balances up to $25,000
|
4.90
%
|
5.01
%
|
|
|
|
Co-op Advantage Checking**
|
74
|
For qualifying accounts on balances over $25,000
|
1.01
%
|
1.01
%
|
|
|
|
Co-op Advantage Checking**
|
74
|
If qualifications are not met
|
0.10
%
|
0.10
%
|
|
|
|
Free Checking
|
79
|
Direct Deposit
|
0.00
%
|
0.00
%
|
|
|
|
Interest Bearing Checking
|
75
|
Balances over $500
|
0.25
%
|
0.25
%
|
|
Share Certificate Accounts(£)
|
| Product |
Share Types |
Minimum
Balance |
Dividend
Rate |
Annual
Percentage Yield |
|
|
90 Day
|
56
|
$500 minimum
|
2.50
%
|
2.50
%
|
|
|
|
6 Month
|
51
|
$500 minimum
|
2.75
%
|
2.75
%
|
|
|
|
9 Month
|
61
|
$500 minimum
|
3.30
%
|
3.30
%
|
|
|
|
12 Month
|
53
|
$500 minimum
|
3.35
%
|
3.39
%
|
|
|
|
15 Month
|
62
|
$500 minimum
|
3.40
%
|
3.45
%
|
|
|
|
18 Month
|
48
|
$500 minimum
|
3.50
%
|
3.55
%
|
|
|
|
22 Month
|
66
|
$500 minimum
|
3.55
%
|
3.60
%
|
|
|
|
24 Month
|
54
|
$500 minimum
|
3.60
%
|
3.65
%
|
|
|
|
29 Month
|
34
|
$500 minimum
|
3.65
%
|
3.70
%
|
|
|
|
36 Month
|
57
|
$500 minimum
|
3.75
%
|
3.81
%
|
|
|
|
48 Month
|
58
|
$500 minimum
|
3.90
%
|
3.96
%
|
|
|
|
60 Month
|
59
|
$500 minimum
|
4.10
%
|
4.17
%
|
|
Money Fund Share Account*
|
| Product |
Share Types |
Minimum
Balance |
Dividend
Rate |
Annual
Percentage Yield |
|
|
Tier 1
|
20
|
$0 - $9,999
|
0.80
%
|
0.80
%
|
|
|
|
Tier 2
|
20
|
$10,000 - $24,999
|
1.09
%
|
1.10
%
|
|
|
|
Tier 3
|
20
|
$25,000 - $49,999
|
1.88
%
|
1.90
%
|
|
|
|
Tier 4
|
20
|
$50,000 and over
|
2.23
%
|
2.25
%
|
|
|
| |
|
| |
| * |
Rates
subject to change monthly. |
| **
|
ATM fee refunds up
to $25 per cycle (calendar month) if all reward rate requirements are met. Reward rate
5.01% Annual Percentage Yield (APY) paid on balances between one penny and $25,000, and
1.01% APY paid on all amounts above $25,000 each cycle (calendar month) if the minimum
requirements are met. If you do not meet the requirements per cycle, your account will still
function as a free checking account earning Base Rate 0.10% APY; however, it will not receive
ATM refunds for that cycle period. Rates as of April 1, 2008. We may change the rate and APY
at any time after the account is opened. No Minimum Balance Required. You must establish credit
union membership with a Share Savings Account balance of at least $5. Available to Personal
Accounts only. No monthly service charge. Free Online Bill Pay. Powered by BancVue. |
|
|
| ‡ |
18
month fixed rate IRA subject to change weekly. |
| † |
5
year variable rate IRA subject to change quarterly through maturity.
|
|
|
| ¥ |
A $10
service charge will be applied if MFSA balance drops below
$2,500 at any time during the month.
|
|
|
| £
|
Share
Certificate rates are subject to change weekly. Share Certificates
with a term of less than 1 year have no compounding interest.
The rate is in effect for the term of the Share Certificate
at the time of purchase. A penalty will be imposed for early
withdrawal of Share Certificate principal. |
|
|
|
Fees
associated with certain products may reduce earnings. |
|
|
|
There
are penalties for early withdrawal on certificates: |
|
Certificates
less than or = 1 year - 1 month interest |
|
Certificates
more than 1 year - 90 days interest |
|
|
|
| |
|
|
