MCU: Rates - Savings Rates

Rates

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Savings Rates

Money Market Rates

CD and IRA Rates

Savings Rates

Account	Minimum Opening Deposit	Average Daily Balance Required To Earn APY	Annual Percentage Yield	Dividend Rate
Savings Rates
Share Accounts	$5.00	$50,000.00 - and over	0.40%	0.40%
		$4,000.00 - 49,999.99	0.20%	0.20%
		$1,000.00 - 3,999.99	0.15%	0.15%
		$500.00 - 999.99	0.10%	0.10%
Smart Apple Savers/Future Investors Club	$10.00	-	0.30%	0.30%
Holiday/Vacation Club	$5.00	-	0.20%	0.20%

These are variable rate accounts and the rate may change after the account is opened. Fees and other conditions could reduce earnings.

The APY is accurate as of the last dividend declaration date.

Money Market Rates

Account	Minimum Opening Deposit	Average Daily Balance Required To Earn APY	Annual Percentage Yield	Dividend Rate
Money Market Rates
Money Market Account	$2,500	$50,000 - and over	0.40%	0.40%
		$25,000 - $49,999	0.35%	0.35%
		$10,000 - $24,999	0.30%	0.30%
		*$2,500 - $9,999	0.20%	0.20%

The APY is accurate as of the last dividend declaration date.

These are variable rate accounts and the rate may change after the account is opened.

Fees and other conditions could reduce earnings.

*Should your average monthly balance go below $2,500, a $5 fee will be charged to the account but you will continue to earn the rate in effect for this tier.

CD and IRA Rates

Account	Minimum Opening Deposit	Minimum Balance	Term (months)	Annual Percentage Yield	Dividend Rate
CD and IRA Rates
3-Month Share Certificate	$500	$500	3	0.20%	0.20%
6-Month Share Certificate	$500	$500	6	0.30%	0.30%
9-Month Share Certificate	$500	$500	9	0.40%	0.40%
12-Month Share Certificate	$500	$500	12	0.45%	0.45%
24-Month Share Certificate	$500	$500	24	0.75%	0.75%
30-Month Share Certificate	$500	$500	30	0.85%	0.85%
36-Month Share Certificate	$500	$500	36	0.95%	0.95%
Deposit Plus Share Certificate	$250	$250	18	0.50%	0.50%
Secured Visa Share Certificate	$300	$300	18	0.50%	0.50%
IRA 03-Month Share Certificate	$500	$500	3	0.20%	0.20%
IRA 06-Month Share Certificate	$500	$500	6	0.30%	0.30%
IRA 09-Month Share Certificate	$500	$500	9	0.40%	0.40%
IRA 12-Month Share Certificate	$500	$500	12	0.45%	0.45%
IRA 18-Month Share Certificate	$100	$100	18	0.50%	0.50%
IRA 24-Month Share Certificate	$500	$500	24	0.75%	0.75%
IRA 30-Month Share Certificate	$500	$500	30	0.85%	0.85%
IRA 36-Month Share Certificate	$500	$500	36	0.95%	0.95%

The APY is accurate as of Thursday, May 23, 2013

The IRA 18-Month Share Certificate Account is a variable rate account and the rate may change after the account is opened. All other Share Certificate Accounts are fixed-rate accounts. A penalty may be imposed for early withdrawals.

These rates are in effect as of Thursday, May 23, 2013

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