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Savings Yield |
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DIVIDEND RATES
The
following annual percentage yields (APYs) are accurate as of July
2, 2008.
The rates can
be adjusted at the discretion of the Board of Directors of the
credit union and may change at any time.
|
Savings (share) |
0.75% APY |
|
Holiday Club |
1.26% APY |
|
Checking (share-draft) |
0.25% APY* |
IRA Savings
(includes: Traditional, Roth, Roth Conversion, and
Coverdell Education Savings Account (ESA)) |
1.76% APY |
*1st Select Checking earns dividends on all balances.
1st Priority and 1st Class earns dividends on balances above
$500.00. Dividends earned are computed on the amount in
the account from the day of deposit to the day of withdrawal.
Monthly dividends are paid to the account on the last day of the
month. Basic
Checking does not pay dividends.
MONEY
MARKET DIVIDEND RATES
|
Classic Money
Manager (minimum balance $5,000) |
2.02% APY |
|
Money Manager
Plus (minimum balance $25,000) |
2.27%
APY |
|
Premier Money
Manager (minimum balance $50,000) |
2.53%
APY |
Minimum
balance must be maintained to avoid a monthly service fee.
Dividends are earned for period minimum balance is maintained.
Fees imposed may reduce earnings.
REGULAR and
IRA
CERTIFICATE RATES
Community 1st Credit
Union offers
a variety of terms to cater to your individual savings needs. Our
certificates are automatically renewable certificates, so there is never a
loss of dividends. In addition, all of our certificates carry a low minimum
balance of $1000.
The
following is a list of annual percentage yields (APYs) offered
on IRA Certificates as of July 2,
2008 .
|
Term
|
|
$1,000 - $4,999
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$5,000 - $9,999
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$10,000 - $24,999
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$25,000 - $49,999
|
$50,000 or more
|
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Regular
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IRA
|
Regular
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IRA
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Regular
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IRA
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Regular
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IRA
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Regular
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IRA
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|
90
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APY
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1.92%
|
2.02%
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2.68%
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2.78%
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2.78%
|
2.89%
|
2.84%
|
2.94%
|
2.89%
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2.99%
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|
Day
|
APR
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1.90%
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2.00%
|
2.65%
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2.75%
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2.75%
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2.85%
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2.80%
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2.90%
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2.85%
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2.95%
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180
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APY
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2.17%
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2.27%
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2.94%
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3.04%
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3.04%
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3.14%
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3.09%
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3.20%
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3.14%
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3.25%
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|
Day
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APR
|
2.15%
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2.25%
|
2.90%
|
3.00%
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3.00%
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3.10%
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3.05%
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3.15%
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3.10%
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3.20%
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12
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APY
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2.32%
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2.43%
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3.09%
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3.20%
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3.20%
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3.30%
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3.25%
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3.35%
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3.30%
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3.40%
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Month
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APR
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2.30%
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2.40%
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3.05%
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3.15%
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3.15%
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3.25%
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3.20%
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3.30%
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3.25%
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3.35%
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24
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APY
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2.68%
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2.78%
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3.45%
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3.56%
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3.56%
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3.66%
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3.61%
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3.71%
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3.66%
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3.76%
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Month
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APR
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2.65%
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2.75%
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3.40%
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3.50%
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3.50%
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3.60%
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3.55%
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3.65%
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3.60%
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3.70%
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36
|
APY
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2.89%
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2.99%
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3.66%
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3.76%
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3.76%
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3.87%
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3.82%
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3.92%
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3.87%
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3.97%
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Month
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APR
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2.85%
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2.95%
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3.60%
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3.70%
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3.70%
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3.80%
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3.75%
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3.85%
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3.80%
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3.90%
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48
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APY
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2.99%
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3.09%
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3.76%
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3.87%
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3.87%
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3.97%
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3.92%
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4.02%
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3.97%
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4.07%
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Month
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APR
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2.95%
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3.05%
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3.70%
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3.80%
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3.80%
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3.90%
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3.85%
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3.95%
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3.90%
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4.00%
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60
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APY
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3.09%
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3.20%
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3.87%
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3.97%
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3.97%
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4.07%
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4.02%
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4.13%
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4.07%
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4.18%
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Month
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APR
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3.05%
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3.15%
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3.80%
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3.90%
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3.90%
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4.00%
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3.95%
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4.05%
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4.00%
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4.10%
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Dividends are paid monthly and may be received by check, by
posting to an account, or we can add the dividends to the
certificate balance to compound each month. A penalty may
be imposed for early withdrawals from the certificate.
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