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Savings/Share Certificate
Effective as of December 2, 2020 Savings/Share Rates
Dividend Rate Annual Percentage Yield Effective
0.15%0.15%12/1/20 - 12/31/20
Minimum Average Daily Balance of $100 or more
0.15%0.15%12/1/20 - 12/31/20
No Minimum Average Daily Balance
0.25%0.25%10/1/20 - 12/31/20
1Last Dividend Declaration Date of 01/01/2020
Checking/Share Draft12/1/20 - 12/31/20
Simply Checking0.00%0.00%
Simply More0.00%0.00%
Simply More ($2,500-$4,999)*0.05%0.05%
Simply More ($5,000)*0.075%0.075%
Business Premier ($7,500 +) 0.05% 0.05%
*Amounts in ( ) is the Minimum Average Daily Balance.
Money Market /Business Money Market 12/1/20 - 12/31/20
Average Daily Balance of $100 - $2,4990.15%0.15%
Average Daily Balance of $2,500 - $9,9990.15%0.15%
Average Daily Balance of $10,000 - $24,9990.15%0.15%
Average Daily Balance of $25,000 - $49,9990.20% 0.20%
Average Daily Balance of $50,000 - $99,9990.25%0.25%
Average Daily Balance $100,000 - $249,9990.30%0.30%
Average Daily Balance $250,000 - $499,9990.40%0.40%
Average Daily Balance $500,000 +0.50%0.50%
IRA/Share & Business Share Certificates $500-$24,99912/1/20
91 day0.15%0.15%
6 month0.15% 0.15%
1 year0.20%0.20%
18 month*0.30%0.30%
2 year0.30%0.30%
30 month†0.45%0.45%
3 year0.45% 0.45%
4 year0.45%0.45%
5 year0.70%0.70%
2 year Changeable (Bump Up) **0.30%0.30%
IRA/Share Certificates & Business Share Certificates $25,000- $99,99912/1/20
91 day0.15%0.15%
6 month0.15%0.15%
1 year0.20%0.20%
18 month*0.30%0.30%
2 year0.30%0.30%
30 month†0.45%0.45%
3 year0.45%0.45%
4 year0.45%0.45%
5 year0.70% 0.70%
2 year Changeable (Bump Up) **0.30%0.30%
IRA/Share Certificates & Business Share Certificates $100,000 +12/1/20
91 days0.15%0.15%
6 month0.15% 0.15%
1 year0.20%0.20%
18 month*0.30%0.30%
2 year0.30%0.30%
30 month†0.45%0.45%
3 year0.45%0.45%
4 year0.45%0.45%
5 year0.70%0.70%
2 year Changeable (Bump Up)**0.30%0.30%
Dream Builder Share Certificates***12/1/20
Minimum Balance: $5
1 year0.15%0.15%
2 year0.20%0.20%
3 year0.35% 0.35%

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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