| Account Types | Dividend Rate | Annual Percentage Yield | Effective |
|---|---|---|---|
| Share/Savings & Business Share/Savings | 0.15% | 0.15% | 3/01/15 - 3/31/15 |
| Minimum Average Daily Balance of $100 or more | |||
| Dollar Dog, The Edge & Cha Ching Youth Share/Savings | 0.25% | 0.25% | 3/01/15 - 3/31/15 |
| No Minimum Average Daily Balance | |||
| Individual Retirement Account 1 | 0.30% | 0.30% | 1/01/15 - 3/31/15 |
| 1Last Dividend Declaration Date of 01/01/2015 | |||
| Checking/Share Draft | 3/01/15 - 3/31/15 | ||
| Simply Checking | 0.00% | 0.00% | |
| Simply More | 0.00% | 0.00% | |
| Simply More ($2,500-$4,999)* | 0.025% | 0.025% | |
| Simply More ($5,000)* | 0.05% | 0.05% | |
| Business Premier ($7,500 +) | 0.05% | 0.05% | |
| *Amounts in ( ) is the Minimum Average Daily Balance. | |||
| Money Market /Business Money Market | 3/01/15 - 3/31/15 | ||
| Minimum Daily Balance of < $2,500 | 0.15% | 0.15% | |
| Minimum Daily Balance of $2,500 - $24,999 | 0.15% | 0.15% | |
| Minimum Daily Balance of $25,000 - $49,999 | 0.50% | 0.50% | |
| Minimum Daily Balance of $50,000 - $99,999 | 0.50% | 0.50% | |
| Minimum Daily Balance $100,000 + | 0.60% | 0.60% | |
| IRA/Share & Business Share Certificates $500-$24,999 | 3/01/2015 | ||
| 91 day | 0.35% | 0.35% | |
| 6 month | 0.45% | 0.45% | |
| 1 year | 0.85% | 0.85% | |
| 18 month* | 0.90% | 0.90% | |
| 2 year** | 0.95% | 0.95% | |
| 3 year | 1.59% | 1.60% | |
| 4 year | 1.25% | 1.26% | |
| 5 year | 1.75% | 1.76% | |
| IRA/Share Certificates & Business Share Certificates $25,000- $49,999 | 3/01/2015 | ||
| 91 day | 0.40% | 0.40% | |
| 6 month | 0.50% | 0.50% | |
| 1 year | 1.00% | 1.01% | |
| 18 month* | 0.95% | 0.95% | |
| 2 year** | 1.00% | 1.00% | |
| 3 year | 1.59% | 1.60% | |
| 4 year | 1.30% | 1.31% | |
| 5 year | 1.80% | 1.81% | |
| IRA/Share Certificate & Business Share Certificates $50,000 - $99,999 | 3/01/2015 | ||
| 91 day | 0.45% | 0.45% | |
| 6 month | 0.55% | 0.55% | |
| 1 year | 1.05% | 1.06% | |
| 18 month* | 1.00% | 1.00% | |
| 2 year** | 1.35% | 1.36% | |
| 3 year | 1.59% | 1.60% | |
| 4 year | 1.35% | 1.36% | |
| 5 year | 1.85% | 1.87% | |
| IRA/Share Certificates & Business Share Certificates $100,000 + | 3/01/2015 | ||
| 91 days | 0.45% | 0.45% | |
| 6 month | 0.55% | 0.55% | |
| 1 year | 1.05% | 1.06% | |
| 18 month* | 1.00% | 1.00% | |
| 2 year** | 1.35% | 1.36% | |
| 3 year | 1.59% | 1.60% | |
| 4 year | 1.35% | 1.36% | |
| 5 year | 1.85% | 1.87% | |
| Dream Builder Share Certificates*** | 3/01/2015 | ||
| Minimum Balance: $5 | |||
| 1 year | 0.35% | 0.35% | |
| 2 year | 0.45% | 0.45% | |
| 3 year | 0.75% | 0.75% | |
| Specials | |||
| Term Min. Balance | |||
| Disclaimer: | |||
| *The 18 month Share Certificate is not available for business accounts. **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. | |||
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..