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Savings/Share Certificate
Effective as of July 2, 2022 Savings/Share Rates
Dividend Rate Annual Percentage Yield Effective
0.15%0.15%7/1/22 - 7/31/22
Minimum Average Daily Balance of $100 or more
0.15%0.15%7/1/22 - 7/31/22
No Minimum Average Daily Balance
0.25%0.25%7/1/22 - 9/30/22
1Last Dividend Declaration Date of 01/01/2020
Checking/Share Draft7/1/22 - 7/31/22
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 +) 0.10% 0.10%
*Amounts in ( ) is the Minimum Average Daily Balance.
Money Market /Business Money Market 7/1/22 - 7/31/22
Average Daily Balance of $2,500 - $9,9990.15%0.15%
Average Daily Balance of $10,000 - $24,9990.30%0.30%
Average Daily Balance of $25,000 - $49,9990.35% 0.35%
Average Daily Balance of $50,000 - $99,9990.40%0.40%
Average Daily Balance $100,000 - $249,9990.45%0.45%
Average Daily Balance $250,000 - $499,9990.55%0.55%
Average Daily Balance $500,000 +0.65%0.65%
IRA/Share & Business Share Certificates $500-$24,9997/1/22
91 day0.45%0.45%
6 month0.50% 0.50%
1 year0.75%0.75%
18 month0.90%0.90%
2 year1.00%1.00%
30 month†1.20%1.21%
3 year1.25% 1.26%
4 year1.50%1.51%
5 year1.75%1.76%
2 year Changeable (Bump Up) **1.00%1.00%
IRA/Share Certificates & Business Share Certificates $25,000- $99,9997/1/22
91 day0.45%0.45%
6 month0.50%0.50%
1 year0.75%0.75%
18 month0.90%0.90%
2 year1.00%1.00%
30 month†1.20%1.21%
3 year1.25%1.26%
4 year1.50%1.51%
5 year1.75% 1.76%
2 year Changeable (Bump Up) **1.00%1.00%
IRA/Share Certificates & Business Share Certificates $100,000 +7/1/22
91 days0.45%0.45%
6 month0.50% 0.50%
1 year0.75%0.75%
18 month0.90%0.90%
2 year1.00%1.00%
30 month†1.20%1.21%
3 year1.25%1.26%
4 year1.50%1.51%
5 year1.75%1.76%
2 year Changeable (Bump Up)**1.00%1.00%
Dream Builder Share Certificates***7/1/22
Minimum Balance: $5
1 year0.55%0.55%
2 year0.80%0.80%
3 year1.05% 1.05%

†The 30-month rate does not apply to Individual Retirement 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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