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Effective as of Saturday, November 7th, 2009
| Share Rates |
|
|
| Account Types |
Dividend
Rate |
Annual
Percentage
Yield |
Effective |
|
|
Share/Savings &
Business Share/Savings
(Minimum Average Daily
Balance of $100 or more) |
0.40% |
0.40% |
10/1/09-10/31/09 |
|
|
Savings Safari & Cha Ching
Youth Share/Savings
(No Minimum Average Daily Balance)
Individual Retirement Account
1 Last Dividend Declaration
Date of 10/01/2009 |
0.50%
1.00% |
0.50%
1.00% |
10/01/09-12/31/09 |
|
|
| Checking/Share Draft 10/1/2009-10/31/2009 |
|
|
| Simply Free |
0.00% |
0.00% |
|
|
|
| Simply More |
0.00% |
0.00% |
|
|
|
| Simply More ($1,000-$4,999)* |
0.15% |
0.15% |
|
|
|
| Simply More ($5,000)* |
0.25% |
0.25% |
|
|
|
| Simply 50 |
0.00% |
0.00% |
|
|
|
| Simply 50 ($1,000-$4,999)* |
0.15% |
0.15% |
|
|
|
| Simply 50 ($5,000)* |
0.25% |
0.25% |
|
|
|
| Business Premier ($7,500 +) |
0.10%
|
0.10%
|
*Amounts in ( ) is the Minimum
Average Daily Balance. |
|
|
| Money Market /Business Money Market 10/1/2009-10/31/2009 |
|
|
Minimum Daily Balance
Balances of < $2,500 |
0.40% |
0.40% |
|
|
|
| Balances of $2,500 - $24,999 |
0.80% |
0.80% |
|
|
|
| Balances of $25,000 - $49,999 |
1.00% |
1.01% |
|
|
|
| Balances of $50,000 - $99,999 |
1.25% |
1.26% |
|
|
|
| $100,000 + |
1.40% |
1.41% |
|
|
|
IRA/Share & Business Share Certificates
$500-$24,999 10/01/2009 |
|
|
| 91 day |
0.85% |
0.85% |
|
|
|
| 6 month |
1.20% |
1.21% |
|
|
|
| 1 year |
1.65% |
1.66% |
|
|
|
| 2 year |
2.05% |
2.07% |
|
|
|
| 3 year |
2.60% |
2.63% |
|
|
|
| 4 year |
2.85% |
2.89% |
|
|
|
| 5 year |
3.05% |
3.09% |
|
|
|
| 18 month |
1.80% |
1.82% |
|
|
|
IRA/Share Certificates & Business Share Certificates
$25,000- $49,999 10/01/2009 |
|
|
| 91 day |
0.95% |
0.95% |
|
|
|
| 6 month |
1.30% |
1.31% |
|
|
|
| 1 year |
1.75% |
1.76% |
|
|
|
| 2 year |
2.15% |
2.17% |
|
|
|
| 3 year |
2.70% |
2.73% |
|
|
|
| 4 year |
2.95% |
2.99% |
|
|
|
| 5 year |
3.15% |
3.29% |
|
|
|
| 18 month |
1.90% |
1.92% |
|
|
|
IRA/Share Certificate & Business Share Certificates
$50,000 - $99,999 10/01/2009 |
|
|
| 91 day |
1.05% |
1.06% |
|
|
|
| 6 month |
1.40% |
1.41% |
|
|
|
| 1 year |
1.85% |
1.87% |
|
|
|
| 2 year |
2.25% |
2.27% |
|
|
|
| 3 year |
2.80% |
2.84% |
|
|
|
| 4 year |
3.05% |
3.09% |
|
|
|
| 5 year |
3.25% |
3.30% |
|
|
|
| 18 month |
2.00% |
2.02% |
|
|
|
IRA/Share Certificates & Business Share Certificates
$100,000 + 10/01/2009 |
|
|
| 91 day |
1.15% |
1.16% |
|
|
|
| 6 month |
1.50% |
1.51% |
|
|
|
| 1 year |
1.95% |
1.97% |
|
|
|
| 2 year |
2.35% |
2.38% |
|
|
|
| 3 year |
2.90% |
2.94% |
|
|
|
| 4 year |
3.15% |
3.20% |
|
|
|
| 5 year |
3.35% |
3.40% |
|
|
|
| 18 month |
2.10% |
2.12% |
|
|
|
| Dream Builder Share Certificates*** 10/01/2009 |
|
|
Minimum Balance: $5
1 year |
0.65% |
0.65% |
|
|
|
| 2 year |
1.05% |
1.06% |
|
|
|
| 3 year |
1.60% |
1.61% |
|
|
| Specials |
|
|
|
Term Min. Balance
Changeable Share Certificate 2 year $2,500
The Changeable Share Certificate is for a 2-year term and a $2,500 minimum deposit. Rate may be changed one time during the term to the existing rate at member's written request. Share certificate withdrawal before maturity can result in penalties. Does not apply to business accounts.
Rates are subject to change without notice. Fees may reduce earnings. A penalty will or may be imposed for early withdrawals on share certificate accounts.***Dream Builder Share Certificates require timely monthly deposits/periodic payments. Under this program, the failure to make 3 timely deposits/periodic payments will result in the termination of the certificate and we may impose an early withdrawal penalty. Any principal balance will be transferred into a share account. Does not apply to business accounts. For additional information, please call us at 1-800-351-1670 or e-mail us at cumail@firstlightfcu.org.
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