Savings/Share Certificate
Effective as of November 19, 2017 Savings/Share Rates
Dividend Rate Annual Percentage Yield Effective
0.25%0.25%11/01/17 - 11/30/17
Minimum Average Daily Balance of $100 or more
0.25%0.25%11/01/17 - 11/30/17
No Minimum Average Daily Balance
0.40%0.40%11/01/17 - 11/30/17
1Last Dividend Declaration Date of 01/01/2017
Checking/Share Draft11/01/17 - 11/30/17
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 11/01/17 - 11/30/17
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 - $24,9990.45%0.45%
Average Daily Balance of $25,000 - $49,9990.55% 0.55%
Average Daily Balance of $50,000 - $99,9990.65%0.65%
Average Daily Balance $100,000 - $249,9990.75%0.75%
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-$24,99911/15/17
91 day0.50%0.50%
6 month0.70% 0.70%
1 year0.90%0.90%
18 month*1.40%1.41%
2 year1.56%1.57%
30 month†1.65%1.66%
3 year1.70% 1.71%
4 year1.75%1.76%
5 year2.10%2.12%
2 year Changeable (Bump Up) **1.56%1.57%
IRA/Share Certificates & Business Share Certificates $25,000- $49,99911/15/17
91 day0.55%0.55%
6 month0.75%0.75%
1 year1.05%1.05%
18 month*1.45%1.46%
2 year1.61%1.62%
30 month†1.70%1.71%
3 year1.75%1.76%
4 year1.80%1.81%
5 year2.15% 2.17%
2 year Changeable (Bump Up) **1.61%1.62%
IRA/Share Certificate & Business Share Certificates $50,000 - $99,999 11/15/17
91 day0.60% 0.60%
6 month0.80%0.80%
1 year1.15%1.16%
18 month*1.50%1.51%
2 year1.71%1.72%
30 month†1.75%1.76%
3 year1.79%1.80%
4 year1.90%1.92%
5 year2.20% 2.22%
2 year Changeable (Bump Up) **1.71%1.72%
IRA/Share Certificates & Business Share Certificates $100,000 +11/15/17
91 days0.65%0.65%
6 month0.85% 0.85%
1 year1.20%1.21%
18 month*1.55%1.56%
2 year1.76%1.77%
30 month†1.80%1.81%
3 year1.84%1.86%
4 year1.95%1.97%
5 year2.25%2.27%
2 year Changeable (Bump Up)**1.76%1.77%
Dream Builder Share Certificates***11/15/17
Minimum Balance: $5
1 year0.40%0.40%
2 year1.06%1.07%
3 year1.20% 1.21%
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. † 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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