Savings/Share Certificate
Effective as of February 16, 2019 Savings/Share Rates
Dividend Rate Annual Percentage Yield Effective
0.25%0.25%2/1/19 - 2/28/19
Minimum Average Daily Balance of $100 or more
0.25%0.25%2/1/19 - 2/28/19
No Minimum Average Daily Balance
0.40%0.40%1/1/19 - 3/31/19
1Last Dividend Declaration Date of 01/01/2018
Minimum Balance: $5,000 in New Money
Checking/Share Draft2/1/19 - 2/28/19
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 2/1/19 - 2/28/19
Average Daily Balance of $100 - $2,4990.25%0.25%
Average Daily Balance of $2,500 - $9,9990.40%0.40%
Average Daily Balance of $10,000 - $24,9990.50%0.50%
Average Daily Balance of $25,000 - $49,9990.60% 0.60%
Average Daily Balance of $50,000 - $99,9990.70%0.70%
Average Daily Balance $100,000 - $249,9990.80%0.80%
Average Daily Balance $250,000 - $499,9990.88%0.88%
Average Daily Balance $500,000 +1.05%1.05%
IRA/Share & Business Share Certificates $500-$24,9992/13/19
91 day0.75%0.75%
6 month1.00% 1.00%
1 year2.00%2.02%
18 month*2.18%2.20%
2 year2.28%2.30%
30 month†2.33%2.36%
3 year2.43% 2.46%
4 year2.45%2.48%
5 year2.72%2.75%
2 year Changeable (Bump Up) **2.28%2.30%
IRA/Share Certificates & Business Share Certificates $25,000- $49,9992/13/19
91 day0.80%0.80%
6 month1.05%1.06%
1 year2.15%2.17%
18 month*2.23%2.25%
2 year2.33%2.36%
30 month†2.38%2.41%
3 year2.48%2.51%
4 year2.50%2.53%
5 year2.77% 2.81%
2 year Changeable (Bump Up) **2.33%2.36%
IRA/Share Certificate & Business Share Certificates $50,000 - $99,999 2/13/19
91 day0.85% 0.85%
6 month1.10%1.11%
1 year2.25%2.27%
18 month*2.28%2.30%
2 year2.43%2.46%
30 month†2.43%2.46%
3 year2.52%2.55%
4 year2.60%2.63%
5 year2.82% 2.86%
2 year Changeable (Bump Up) **2.43%2.46%
IRA/Share Certificates & Business Share Certificates $100,000 +2/13/19
91 days0.90%0.90%
6 month1.15% 1.16%
1 year2.30%2.32%
18 month*2.33%2.36%
2 year2.48%2.51%
30 month†2.48%2.51%
3 year2.57%2.60%
4 year2.65%2.68%
5 year2.86%2.90%
2 year Changeable (Bump Up)**2.48%2.51%
Dream Builder Share Certificates***2/13/19
Minimum Balance: $5
1 year1.50%1.51%
2 year1.78%1.79%
3 year1.93% 1.95%

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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