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Deposit Rates
Effective Date: December 31, 2008
This Rate and Fee Schedule sets forth current conditions, rates, fees and charges
to your Share/Deposit Accounts at America's Credit Union at this time.
| Account |
Dividend Rate % |
Annual Percentage Yield % (APY) |
Minimum Opening Balance |
Minimum Balance to Earn APY |
| Regular Share |
0.50% |
0.50% |
$50 |
$50 |
| Market Saver |
0.75% |
0.75% |
$2,500 |
$2,500 |
| Guaranteed Money Market MEGA |
2.00% |
2.02% |
$50,000 |
$50,000 |
| Guaranteed Money Market ULTRA |
1.50% |
1.51% |
$25,000 |
$25,000 |
| Guaranteed Money Market PLUS |
1.00% |
1.00% |
$5,000 |
$5,000 |
| Premium Money Market |
1.25% |
1.26% |
$25,000 |
$25,000 |
| Supreme Money Market |
1.50% |
1.51% |
$50,000 |
$50,000 |
| Ultimate Money Market |
1.75% |
1.76% |
$100,000 |
$100,000 |
| Choice Checking |
0.25% |
0.25% |
$50 in a Share Acct. |
None |
| Preferred Market Checking |
1.25% |
1.26% |
$2,500 |
$2,500 |
| Golden 55 Checking (under $2,499) |
0.75% |
0.75% |
$2,500 |
$1 |
| Golden 55 Checking (over $2,500) |
1.25% |
1.26% |
$2,500 |
$2,500 |
Perk Checking
(when minimum requirement met) |
4.89% |
5.00%
On first $1,000 |
$1 |
$1 |
| Checking Direct |
N/A |
N/A |
$1 |
N/A |
| Teen Checking |
N/A |
N/A |
$1 |
N/A |
| Performance Saver |
3.50% |
3.56% |
No Minimum |
$1 |
| Smart Club |
0.50% |
0.50% |
Call for Info |
Call for Info |
| IRA Savings |
2.00% |
2.02% |
No Minimum |
$50 |
| Teen Savings |
0.50% |
0.50% |
No Minimum |
$1 |
| Tree Fort Club |
0.50% |
0.50% |
No Minimum |
$1 |
| Health Savings |
2.00% |
2.02% |
No Minimum |
$50 |
| Christmas Club |
2.00% |
2.02% |
$50 in a Share Acct. |
$50 |
| Promotional Certificate Accounts |
Super Bump Flex Certificates
Renewal Dividend Rate for all Super Bump Flex Certificates
is 2.60%, 2.63% APY
|
Veterans Family Fund
Certificate |
7 Month Term
$500 minimum
3.93% Dividend Rate
4.00%
Annual Percentage Yield |
6 Month Term
$100 minimum to open
2.50% Dividend Rate
2.53%
Annual Percentage Yield |
| Rate Schedule |
| |
Flex Certificate Accounts |
Standard Certificate Accounts |
IRA Certificate Accounts |
| Term |
Dividend Rate% |
Annual Percentage Yield % |
Dividend Rate% |
Annual Percentage Yield % |
Dividend Rate% |
Annual Percentage Yield % |
| Minimum Deposit: $500-24,999 |
| 3-11 months |
2.45 |
2.48 |
2.65 |
2.68 |
- |
- |
| 12-23 months |
2.60 |
2.63 |
2.90 |
2.94 |
2.90 |
2.94 |
| 24-47 months |
2.50 |
2.53 |
2.60 |
2.63 |
2.60 |
2.63 |
| 48 months > |
2.30 |
2.32 |
2.50 |
2.53 |
2.50 |
2.53 |
| Minimum Deposit: $25,000-99,999 |
| 3-11 months |
2.60 |
2.63 |
2.90 |
2.93 |
- |
- |
| 12-23 months |
2.85 |
2.89 |
3.05 |
3.09 |
3.05 |
3.09 |
| 24-47 months |
2.60 |
2.63 |
2.90 |
2.94 |
2.90 |
2.94 |
| 48 months > |
2.89 |
2.93 |
3.10 |
3.14 |
3.10 |
3.14 |
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Additional Deposits Allowed at Renewal Only |
Additional Deposits Allowed at Renewal Only |
TRUTH-IN-SAVINGS SHARE DISCLOSURE
TRUTH-IN-SAVINGS CERTIFICATE DISCLOSURE |
