Savings/Share Certificate
Effective as of June 18, 2019 Savings/Share Rates
Dividend Rate Annual Percentage Yield Effective
0.25%0.25%6/1/19 - 6/30/19
Minimum Average Daily Balance of $100 or more
0.25%0.25%6/1/19 - 6/30/19
No Minimum Average Daily Balance
0.40%0.40%4/1/19 - 6/30/19
1Last Dividend Declaration Date of 01/01/2018
Checking/Share Draft6/1/19 - 6/30/19
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 6/1/19 - 6/30/19
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 - $49,9990.70% 0.70%
Average Daily Balance of $50,000 - $99,9990.75%0.75%
Average Daily Balance $100,000 - $249,9990.90%0.90%
Average Daily Balance $250,000 - $499,9990.93%0.93%
Average Daily Balance $500,000 +1.05%1.05%
IRA/Share & Business Share Certificates $500-$24,9996/12/19
91 day0.75%0.75%
6 month1.00% 1.00%
1 year1.90%1.92%
18 month*2.08%2.10%
2 year2.13%2.15%
30 month†2.23%2.25%
3 year2.28% 2.30%
4 year2.32%2.34%
5 year2.67%2.70%
2 year Changeable (Bump Up) **2.13%2.15%
IRA/Share Certificates & Business Share Certificates $25,000- $49,9996/12/19
91 day0.80%0.80%
6 month1.05%1.06%
1 year2.05%2.07%
18 month*2.13%2.15%
2 year2.18%2.20%
30 month†2.28%2.30%
3 year2.33%2.36%
4 year2.37%2.40%
5 year2.72% 2.75%
2 year Changeable (Bump Up) **2.18%2.20%
IRA/Share Certificate & Business Share Certificates $50,000 - $99,999 6/12/19
91 day0.85% 0.85%
6 month1.10%1.11%
1 year2.15%2.17%
18 month*2.18%2.20%
2 year2.28%2.30%
30 month†2.33%2.36%
3 year2.37%2.40%
4 year2.47%2.50%
5 year2.77% 2.81%
2 year Changeable (Bump Up) **2.28%2.30%
IRA/Share Certificates & Business Share Certificates $100,000 +6/12/19
91 days0.90%0.90%
6 month1.15% 1.16%
1 year2.20%2.22%
18 month*2.23%2.25%
2 year2.33%2.36%
30 month†2.38%2.41%
3 year2.42%2.45%
4 year2.52%2.55%
5 year2.81%2.85%
2 year Changeable (Bump Up)**2.33%2.36%
Dream Builder Share Certificates***6/12/19
Minimum Balance: $5
1 year1.40%1.41%
2 year1.63%1.64%
3 year1.78% 1.79%

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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