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Deposit Accounts
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Effective Date:
10/1/09
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Dividend
Rate
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Annual
Percentage Yield (A.P.Y)
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Minimum
Deposit/Opening
Balances
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Compounded/Credited
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Average Daily Balance required to earn Dividends
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| Savings | 0.50% | 0.50% | $5.00 | Quarterly/Quarterly | $100.00 | | Basic Checking | N/A | N/A | N/A | N/A | N/A | | Premier Checking | 0.25% | 0.25% | None | Quarterly/Quarterly | $100.00 | | Preferred Checking | 0.25% | 0.25% | None | Quarterly/Quarterly | $500.00 | | Christmas Club | 0.25% | 0.25% | None | Quarterly/Quarterly | $100.00 | | Vacation Club | 0.25% | 0.25% | None | Quarterly/Quarterly | $100.00 | | Junior Advantage | 0.50% | 0.50% | $5.00 | Quarterly/Quarterly | $5.00 | | Escrow | 0.10% | 0.10% | None | Quarterly/Quarterly | $100.00 | | IRA Variable | 0.50% | 0.50% | None | Quarterly/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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Effective Date:
8/15/09 $500 Minimum Deposit Required
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Share Certificates
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Dividend Rate
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Annual Percentage Yield (A.P.Y)
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| 6 Month | 1.11% | 1.11% | | 12 Month | 1.30% | 1.31% | | 18 Month | 2.00% | 2.01% | | 24 Month | 1.40% | 1.41% | | 36 Month | 1.70% | 1.71% | | 48 Month | 1.74% | 1.75% | | 60 Month | 2.095% | 2.11% |
* (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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Effective Date: 9/15/09
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IRA Certificates
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Dividend Rate
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Annual Percentage Yield (A.P.Y)
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| 12 Month | 1.30% | 1.31% | | 18 Month | 2.00% | 2.01% | | 24 Month | 1.40% | 1.41% | | 36 Month | 1.70% | 1.71% | | 48 Month | 1.74% | 1.75% | | 60 Month | 2.095% | 2.11% |
* (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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Effective Date: 8/15/09Minimum Balance to open $2,500.00
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Daily Balance
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Dividend Rate
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Annual Percentage Yield (A.P.Y)
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| | $1,000.00 - $2,499.99 | 0.10% | 0.10% | | $2,500.00 - $9,999.99 | 0.15% | 0.15% | | $10,000.00 - $24,999.99 | 0.20% | 0.20% | | $25,000.00 - $74,999.99 | 0.25% | 0.25% | | $75,000.00 and Up | 0.30% | 0.30% |
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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Effective Date: 8/15/09Minimum Balance to open $0.00
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Daily Balance
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Dividend Rate
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Annual Percentage Yield (A.P.Y)
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| | Qualified Accounts* | 1.20% | 1.21% | | Non-Qualified Accounts** | 0.10% | 0.10% |
*Rates 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 with 1 of the above, their rate will default to the Non-Qualified Account rates. See above Member Rewards Money Market rate chart for current rates.
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