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Deposit Rates


1st Advantage FCU - Rates - Deposit Account

Deposit Accounts

Effective Date:
01/01/08
Dividend
Rate
Annual
Percentage Yield (A.P.Y)
Minimum
Deposit/Opening
Balances
Compounded/Credited
Average Daily Balance required to earn Dividends
Savings1.01%1.01%$5.00Quarterly/Quarterly$100.00
Basic CheckingN/AN/AN/AN/AN/A
Premier Checking0.75%0.75%NoneQuarterly/Quarterly$1000.00
Preferred Checking0.75%0.75%NoneQuarterly/Quarterly$1000.00
Christmas Club0.75%0.75%NoneQuarterly/Quarterly$100.00
Vacation Club0.75%0.75%NoneQuarterly/Quarterly$100.00
Junior Advantage1.01%1.01%$5.00Quarterly/Quarterly$5.00
Escrow0.75%0.75%NoneQuarterly/Quarterly$100.00
IRA Variable1.995%2.01%NoneQuarterly/Quarterly$100.00

Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Fees may reduce the earnings on the account. For additional information on your account please see your Membership & Account Agreement This Credit Union is federally insured by the National Credit Union Administration. If you have any questions or require current rate information please call the credit union at .

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1st Advantage FCU - Rates - Share Certificates

Share Certificates

Effective Date: 10/23/08$500 Minimum Deposit Required

Share Certificates
Dividend Rate
Annual Percentage Yield (A.P.Y)
6 Month2.87%2.90%
12 Month3.12%3.16%
13 Month3.795%3.85%
24 Month3.21%3.25%
36 Month3.22%3.26%
48 Month3.32%3.36%
60 Month3.84%3.90%

* (minimum balance - $1,000)
** (minimum balance - $5,000) Member has option to bump up rate one time during term.

Dividends calculated on average daily balance and compounded quarterly. The rates listed are accurate and effective as of the date indicated above. Rates & terms are subject to change without notification. A penalty and/or account closure will be imposed for withdrawals before maturity. Fees may reduce earnings. For additional information on your account please refer to the Rate & Fee Schedule and/or Membership Disclosure. If you have any questions or require current rate information please call the Credit Union at (757) 877-2444. This Credit Union is federally insured by the National Credit Union Administration.


1st Advantage FCU - Rates - IRA Certificates

IRA Certificates

Effective Date: 10/23/08$500 Minimum Deposit Required

IRA Certificates
Dividend Rate
Annual Percentage Yield (A.P.Y)
12 Month3.12%3.16%
13 Month3.795%3.85%
24 Month3.21%3.25%
36 Month3.22%3.26%
48 Month3.32%3.36%
60 Month3.84%3.90%

* (minimum balance - $1,000)
** (minimum balance - $5,000) Member has option to bump up rate one time during term.

Dividends calculated on average daily balance and compounded quarterly. The rates listed are accurate and effective as of the date indicated above. Rates & terms are subject to change without notification. A penalty and/or account closure will be imposed for withdrawals before maturity. Fees may reduce earnings. For additional information on your account please refer to the Rate & Fee Schedule and/or Membership Disclosure. If you have any questions or require current rate information please call the Credit Union at (757) 877-2444. This Credit Union is federally insured by the National Credit Union Administration.

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1st Advantage FCU - Rates - Money Market

Money Market

Effective Date: 4/25/07Minimum Balance to open $2,500.00

Daily Balance
Dividend Rate
Annual Percentage Yield (A.P.Y)

$1,000.00 - $2,499.990.20%0.20%
$2,500.00 - $9,999.991.19%1.20%
$10,000.00 - $24,999.991.49%1.50%
$25,000.00 - $74,999.991.73%1.75%
$75,000.00 and Up1.98%2.00%

For additional information on your account please see your Membership & Account Agreement. For additional information about fees please see the Rate & Fee Schedule. Rate may change after the account is open. Fees may reduce the earnings on the account. Effective April 25, 2007, accounts with an average daily balance less than $1,000.00 will not earn dividends for that period. This Credit Union is federally insured by the National Credit Union Administration. If you have any questions or require current rate information please call the credit union at 757-877-2444.

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1st Advantage FCU - Rates - Money Market

Member Rewards Money Market

Effective Date: 5/15/08Minimum Balance to open $0.00

Daily Balance
Dividend Rate
Annual Percentage Yield (A.P.Y)

Qualified Accounts*2.97%3.01%
Non-Qualified Accounts**1.54%1.55%

*Annual Percentage Yield as of 5/15/08, rate subject to change without notice. For additional information about fees please see the Rate & Fee Schedule. Restrictions apply see branch for details. Qualified members must have a checking account with at least 10 VISA Check Card signature transactions each month OR at least 2 1st Advantage Bill Pay transactions each month OR combined loan balances of $25,000 or more with 1st Advantage (1st Mortgages excluded). **If member does not qualify without 1 of the above, their rate will default to the Non-Qualified Account rates.

 
   
         
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We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government
by the NCUA (National Credit Union Administration), a U.S. Government Agency