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Savings/Share Certificate
Effective as of November 5, 2024 Savings/Share Rates
Dividend Rate Annual Percentage Yield Effective
0.15%0.15%11/1/24 - 11/30/24
Minimum Average Daily Balance of $100 or more
0.15%0.15%11/1/24 - 11/30/24
No Minimum Average Daily Balance
0.25%0.25%10/1/24 - 12/31/24
1Last Dividend Declaration Date of 01/01/2020
Checking/Share Draft11/1/24 - 11/30/24
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.
High Yields/Business High Yield $300,000+11/1/24 - 11/30/24
High Yields/Business High Yield3.000%3.04%
Money Market /Business Money Market 11/1/24 - 11/30/24
Average Daily Balance of $2,500 - $9,9990.50%0.50%
Average Daily Balance of $10,000 - $24,9990.70%0.70%
Average Daily Balance of $25,000 - $49,9990.80% 0.80%
Average Daily Balance of $50,000 - $99,9990.85%0.85%
Average Daily Balance $100,000 - $249,9991.10%1.11%
Average Daily Balance $250,000 - $499,9991.10%1.11%
Average Daily Balance $500,000 +1.15%1.16%
IRA/Share & Business Share Certificates $500-$24,99911/1/24
91 day2.765%2.80%
6 month3.928% 4.00%
1 year4.266%4.35%
18 Months3.928%4.00%
2 year3.977%4.05%
2 year Changeable (Bump Up) **3.397%3.45%
30 month†3.590%3.65%
3 year3.590% 3.65%
4 year3.397%3.45%
5 year3.639%3.70%
IRA/Share Certificates & Business Share Certificates $25,000- $99,99911/1/24
91 day2.813%2.85%
6 month3.977%4.05%
1 year4.314%4.40%
18 Months3.977%4.05%
2 year4.025%4.10%
2 year Changeable (Bump Up) **3.445%3.50%
30 month†3.639%3.70%
3 year3.639%3.70%
4 year3.445%3.50%
5 year3.687% 3.75%
IRA/Share Certificates & Business Share Certificates $100,000 +11/1/24
91 days2.862%2.90%
6 month4.025% 4.10%
1 year4.362%4.45%
18 Months4.025%4.10%
2 year4.073%4.15%
2 year Changeable (Bump Up)**3.494%3.55%
30 month†3.687%3.75%
3 year3.687%3.75%
4 year3.494%3.55%
5 year3.735%3.80%
Dream Builder Share Certificates***11/1/24
Minimum Balance: $5
1 year3.057%3.10%
2 year2.618%2.65%
3 year2.374% 2.40%

†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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