|
|
 |
 |
|
|
|
|
|
|
| |
Current Savings Rates
| |
| Account Description |
Rate |
APY* |
Minimum
to Open |
Minimum
to Earn |
Effective |
Share Savings
Up To $10,000.00 |
1.15%
|
1.16%
|
$5.00
|
$5.00
|
1st Qrt, 2008
|
Share Savings
$10,000.00 & Above |
1.50%
|
1.51%
|
$5.00
|
$10,000.00
|
1st Qrt, 2008
|
"e" Savings
(youth)
Up To $10,000.00 |
1.40%
|
1.41%
|
$1.00
|
$1.00
|
1st Qrt, 2008
|
"e" Savings (youth)
$10,000.00 & Above |
1.75%
|
1.76%
|
$1.00
|
$10,000.00
|
1st Qrt, 2008
|
Share Draft
(Checking) |
0.35%
|
0.35%
|
$25.00
|
$750.00
Average Daily Balance |
April 1, 2008
|
| **Christmas Club |
1.60%
|
1.60%
|
$5.00
|
$5.00
|
October 1, 2007
|
| ***Vacation Club |
1.50%
|
1.51%
|
$5.00
|
$5.00
|
May 31, 2007
|
*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 |
|
2.65%
|
2.68%
|
$1.00
|
$1.00
|
1st Qrt, 2008
|
*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, 2008
|
|
Term |
Rate |
APY* |
Payment |
Minimum
Deposit |
3 Month
|
2.23%
|
2.25%
|
Monthly
|
$1,000
|
6 Month
|
2.81%
|
2.85%
|
Monthly
|
$1,000
|
9 Month
|
2.86%
|
2.90%
|
Monthly
|
$1,000
|
1 Year
|
2.97%
|
3.00%
|
Monthly
|
$1,000
|
2 Year
|
3.10%
|
3.14%
|
Quarterly
|
**$1,000
|
3 Year
|
3.22%
|
3.26%
|
Quarterly
|
**$1,000
|
4 Year
|
3.34%
|
3.38%
|
Quarterly
|
**$1,000
|
5 Year
|
3.50%
|
3.55%
|
Quarterly
|
**$1,000
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
*APY is the Annual Percentage
Yield.
All Rates Are Subject To Change Without Notice.
|
|
|
- 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, 2008
|
|
Term |
Rate |
APY* |
Payment |
Minimum
Deposit |
7 Month
|
3.20%
|
3.25%
|
Monthly
|
$5,000
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
*APY is the Annual Percentage
Yield.
All Rates Are Subject To Change Without Notice.
|
|
|
-
***Young Savers Special: Minimum deposit = $1,000 on $2,000 CD minimum or $2,000 on $5,000 CD minimum
| VARIABLE
CD RATES |
**Please Note: New Variable Certificate accounts are not being accepted at this time. Members with current Variable Certificates may continue to make additional contributions per the terms and conditions of the account. Current variable term share certificate rates are shown below.
|
|
Term |
Rate |
APY* |
Payment |
Minimum
Deposit |
13-24 mos**
|
2.98
|
3.00
|
|
|
25-35 mos**
|
2.98
|
3.00
|
|
|
*APY is the Annual Percentage
Yield.
All Rates Are Subject To Change Without Notice.
|
|
|
| MONEY
MARKET |
Effective April 1, 2008
|
|
| DIVIDEND
RATE |
APY* |
Payment |
Minimum
Deposit |
1.20% |
1.21%
|
Monthly |
$5,000-$9,999.99 |
1.75% |
1.76%
|
Monthly |
$10,000-$24,999.99 |
2.00% |
2.02%
|
Monthly |
$25,000-$74,999.99 |
2.50% |
2.53%
|
Monthly |
$75,000+
|
*APY is the Annual Percentage
Yield.
All Rates Are Subject To Change Without Notice. |
|
|
| VARIABLE
MONEY MARKET SAVINGS |
Effective April 1, 2008
|
|
Minimum
Deposit |
Earnings |
$25,000
|
Variable-based on the 91 day T-bill
|
| All Rates Are Subject To Change
Without Notice. |
|
|
| HEALTH
SAVINGS ACCOUNTS |
Effective April 1, 2008
|
|
| Description |
Rate |
APY*
|
| $25 to $1,499.99 |
1.15%
|
1.16%
|
| $1,500 to $4,999.99 |
1.20%
|
1.21%
|
| $5,000 to $9,999.99 |
1.75%
|
1.76%
|
| $10,000 and higher |
2.00%
|
2.02%
|
*APY is the Annual Percentage
Yield.
All Rates Are Subject To Change Without Notice.
|
|
|
|
|
|
 |
Equal Housing Lender.
