Savings/Share Certificate
Effective as of May 29, 2020 Savings/Share Rates
Dividend Rate Annual Percentage Yield Effective
0.25%0.25%5/1/20 - 5/31/20
Minimum Average Daily Balance of $100 or more
0.25%0.25%5/1/20 - 5/31/20
No Minimum Average Daily Balance
0.35%0.35%4/1/20 - 6/30/20
1Last Dividend Declaration Date of 01/01/2020
Checking/Share Draft5/1/20 - 5/31/20
Simply Checking0.00%0.00%
Simply More0.00%0.00%
Simply More ($2,500-$4,999)*0.10%0.10%
Simply More ($5,000)*0.125%0.125%
Business Premier ($7,500 +) 0.05% 0.05%
*Amounts in ( ) is the Minimum Average Daily Balance.
Money Market /Business Money Market 5/1/20 - 5/31/20
Average Daily Balance of $100 - $2,4990.25%0.25%
Average Daily Balance of $2,500 - $9,9990.30%0.30%
Average Daily Balance of $10,000 - $24,9990.35%0.35%
Average Daily Balance of $25,000 - $49,9990.45% 0.45%
Average Daily Balance of $50,000 - $99,9990.50%0.50%
Average Daily Balance $100,000 - $249,9990.60%0.60%
Average Daily Balance $250,000 - $499,9990.70%0.70%
Average Daily Balance $500,000 +0.80%0.80%
IRA/Share & Business Share Certificates $500-$24,9995/27/20
91 day0.20%0.20%
6 month0.45% 0.45%
1 year0.95%0.95%
18 month*1.04%1.05%
2 year1.04%1.05%
30 month†1.19%1.20%
3 year1.19% 1.20%
4 year1.19%1.20%
5 year1.39%1.40%
2 year Changeable (Bump Up) **1.04%1.05%
IRA/Share Certificates & Business Share Certificates $25,000- $99,9995/27/20
91 day0.20%0.20%
6 month0.45%0.45%
1 year1.00%1.00%
18 month*1.09%1.10%
2 year1.09%1.10%
30 month†1.24%1.25%
3 year1.24%1.25%
4 year1.24%1.25%
5 year1.44% 1.45%
2 year Changeable (Bump Up) **1.09%1.10%
IRA/Share Certificates & Business Share Certificates $100,000 +5/27/20
91 days0.20%0.20%
6 month0.45% 0.45%
1 year1.04%1.05%
18 month*1.14%1.15%
2 year1.14%1.15%
30 month†1.24%1.25%
3 year1.24%1.25%
4 year1.24%1.25%
5 year1.44%1.45%
2 year Changeable (Bump Up)**1.14%1.15%
Dream Builder Share Certificates***5/20/20
Minimum Balance: $5
1 year0.44%0.44%
2 year0.54%0.54%
3 year0.69% 0.69%

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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