| |
Current Savings Rates
| |
| Account Description |
Rate |
APY* |
Minimum
to Open |
Minimum
to Earn |
Effective |
Share Savings
Up To $10,000.00 |
0.30%
|
0.30%
|
$5.00
|
$5.00
|
April 1, 2012
|
Share Savings
$10,000.00 & Above |
0.60%
|
0.60%
|
$5.00
|
$10,000.00
|
April 1, 2012
|
"e" Savings
(youth)
Up To $10,000.00 |
0.55%
|
0.55%
|
$1.00
|
$1.00
|
April 1, 2012
|
"e" Savings (youth)
$10,000.00 & Above |
0.85%
|
0.85%
|
$1.00
|
$10,000.00
|
April 1, 2012
|
Share Draft
(Checking) |
0.10%
|
0.10%
|
$25.00
|
$750.00
Average Daily Balance |
April 1, 2012
|
| **Christmas Club |
0.80%
|
0.80%
|
$5.00
|
$5.00
|
October 1, 2011
|
| ***Vacation Club |
1.00%
|
1.00%
|
$5.00
|
$5.00
|
May 1, 2011
|
*APY is the Annual Percentage
Yield.
All Rates Are Subject To Change Without
Notice. |
|
|
- The dividend rates on Share Savings are declared at the end
of each quarter. Dividends are calculated by the daily balance
method and paid quarterly. The Annual Percentage Yield (APY) is
based on the minimum daily balance being maintained each day.
- Checking account dividends are declared and effective as of
the first of the month and paid monthly. They are calculated on
the average daily balance method.
- **Christmas Club dividends are declared and paid on October 1 of each year.
- ***Vacation Club dividends are declared and paid on May 31 of each year.
| |
| Rate |
APY* |
Minimum to Open |
Minimum to Earn |
Effective |
|
0.0%
|
0.0%
|
$1.00
|
$1.00
|
March 31, 2012
|
| 0.30% |
0.30% |
$1.00 |
$500.00 |
March 31, 2012 |
| 1.20% |
1.21% |
$1.00 |
$2500.00 |
March 31, 2012 |
*APY is the Annual Percentage
Yield.
All Rates Are Subject To Change Without
Notice. |
|
|
- The dividend rates on IRA shares are declared at the end of
each quarter.
- Withdrawal from IRA Savings may result in IRS taxes and/or penalties.
- Interest is calculated on the daily balance method and paid
according to the certificate term you choose. The annual percentage
yield (APY) is based on the minimum daily balance being maintained
each day.
- Contact Us if you want to place an
investment.
| CD's
- IRA & REGULAR |
Effective May 1, 2012
|
|
Term |
Rate |
APY* |
Payment |
Minimum
Deposit |
3 Month
|
.30%
|
.30%
|
Monthly
|
$1,000
|
6 Month
|
.35%
|
.35%
|
Monthly
|
$1,000
|
9 Month
|
.45%
|
.45%
|
Monthly
|
$1,000
|
1 Year
|
.65%
|
.65%
|
Quarterly
|
$1,000
|
2 Year
|
.90%
|
.90%
|
Quarterly
|
**$1,000
|
3 Year
|
1.20%
|
1.20%
|
Quarterly
|
**$1,000
|
4 Year
|
1.49%
|
1.50%
|
Quarterly
|
**$1,000
|
5 Year
|
1.79%
|
1.80%
|
Quarterly
|
**$1,000
|
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|
*APY is the Annual Percentage
Yield.
All Rates Are Subject To Change Without Notice.
|
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|
- Young Savers Certificates: Members age 21 or younger - the minimum deposit is $300 instead of $1000 on ACU's regular certificates, all additional terms and conditions are the same.
-
**Young Savers Regular Certificates: Rate Change Option minimum deposit = $3,000 vs. $10,000.
| SPECIAL
CD RATES |
Effective May 1, 2012
|
|
Term |
Rate |
APY* |
Payment |
Minimum
Deposit |
29Month
|
1.10%
|
1.10%
|
Quarterly
|
$5,000
|
|
|
|
|
|
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|
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|
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|
|
|
|
*APY is the Annual Percentage
Yield.
All Rates Are Subject To Change Without Notice.
|
|
|
| MONEY
MARKET |
Effective May 1, 2012
|
|
| DIVIDEND
RATE |
APY* |
Payment |
Minimum
Deposit |
0.30% |
0.30%
|
Monthly |
Below $5,000 |
0.50% |
0.50%
|
Monthly |
$5,000-$9,999.99 |
0.50% |
0.50%
|
Monthly |
$10,000-$24,999.99 |
0.50% |
0.50%
|
Monthly |
$25,000-$74,999.99
|
| 0.70% |
0.70% |
Monthly |
$75,000+ |
|
|
|
|
*APY is the Annual Percentage
Yield.
$5 monthly service fee if balance is less than $5,000.
All Rates Are Subject To Change Without Notice. |
|
|
| HEALTH
SAVINGS ACCOUNTS |
Effective April 1, 2012
|
|
| Description |
Rate |
APY*
|
| $25 to $1,499.99 |
.45%
|
.45%
|
| $1,500 to $4,999.99 |
.45%
|
.45%
|
| $5,000 to $9,999.99 |
.45%
|
.45%
|
| $10,000 and higher |
.45%
|
.45%
|
*APY is the Annual Percentage
Yield.
All Rates Are Subject To Change Without Notice.
|
|
|
All funds in a “noninterest-bearing transaction account” are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members.
|
|
Equal Housing Lender.
