Interest Rates

Friday, 03 September 2010

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Interest Rates

Revised Rates as of August 9, 2010. All dividends are calculated on the actual daily balance. Rates are subject to change. Fees may reduce earnings. Contact our Member Service Department at (419) 334-4434 in Fremont or (419) 849-2570 in Woodville for more information.

Share Certificates

Term of Certificate	Type of Certificate	Nominal Rate	Annual Percentage Yield	Min Daily Bal to Earn Dividends	Dividends Compounded
6 Month	Regular/ IRA	.7.50.50%%.30%	.30%	$1000.00	Daily
12 Month	Regular/ IRA	.60%	.60%	$1000.00	Daily
18 Month	Regular/ IRA	.75%	.75%	$1000.00	Daily
24 Month	Regular/ IRA	1.20%	1.21%	$1000.00	Daily
30 Month	Regular/ IRA	1.50%	1.51%	$1000.00	Daily
36 Month	Regular/ IRA	1.50%	1.51%	$1000.00	Daily
36 Month Freedom	Regular/IRA	2.25%	2.28%	$5000.00	Daily
48 Month	Regular/ IRA	2.00%	2.02%	$1000.00	Daily
60 Month	Regular/ IRA	2.25%	2.28%	$1000.00	Daily

Jumbo Rates- $100,000.00 or more in one certificate- earn an added .15 basis points to the rate for the certificate maturity.
Features of the 36 Month Freedom Share Certificate include a one-time additional deposit and a one-time rate bump during the term.

*IRA Certificates available in terms of 6 Months or longer. Share Certificate Specials are offered for IRAs at our discretion.

Share Certificate Penalties - we may impose a penalty if you withdraw any of the prinicipal before the maturity date. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: terms of 1 year or less = 90 dividend penalty; terms of more than 1 year = 180 dividend penalty.

Exceptions to Share Certificate Penalties - at our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: when an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction; where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment, or where the account is an IRA or Keogh and the owner attains age 59 1/2 or becomes disabled.

Share Accounts

Type of Account

Nominal Rate

Annual Percentage Yield
From To

Min Daily Bal to Earn Dividends

Min Amnt to Open Account

Dividends Compound and Paid

Share Account

S1/S2

.15%

$100.00

$25.00

Quarterly

Dollar Dog Kids Club Savings

.15%

All Balances

$25.00

Quarterly

Cha-Ching Teen Savings

.15%

All Balances

$25.00

Quarterly

Club Accounts

S3/S4

.15%

All Balances

Quarterly

Regular Checking

.05%

$1000.00

$50.00

Monthly

Premier Checking

S50

.05%

All Balances

$50.00

Monthly

IRA Savings

HSA Savings

S7/S17

S57

.15%

.40%

.15%

.40%

$.01-999.99

$1,000 and higher

$25.00

Quarterly

Money Market Savings Account

0.00%	0.00%	$0 - 999.99
0.15%	0.15%	$1,000 - 4,999
0.25%	0.25%	$5,000 - 24,999
0.40%	0.40%	$25,000 - 99,000
0.60%	0.60%	$100,000 and higher

1000.00

Monthly

Dividend Information - dividends are paid on all share accounts and share certificate accounts are subject to Credit Union earnings and determined from the previous accounting period. Rates stated here are for previous periods or anticipated.

Deposits are insured up to $250,000.00 per ownership type. IRAs are insured separately up to $250,000.00 per ownership type.

Your savings is federally insured and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U.S. Government Agency.

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