Savings/Share Certificate
Effective as of February 25, 2020 Savings/Share Rates
Dividend Rate Annual Percentage Yield Effective
0.25%0.25%2/1/20 - 2/29/20
Minimum Average Daily Balance of $100 or more
0.25%0.25%2/1/20 - 2/29/20
No Minimum Average Daily Balance
0.35%0.35%1/1/20 - 3/31/20
1Last Dividend Declaration Date of 01/01/2020
Checking/Share Draft2/1/20 - 2/29/20
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 2/1/20 - 2/29/20
Average Daily Balance of $100 - $2,4990.25%0.25%
Average Daily Balance of $2,500 - $9,9990.35%0.35%
Average Daily Balance of $10,000 - $24,9990.55%0.55%
Average Daily Balance of $25,000 - $49,9990.60% 0.60%
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 - $499,9990.85%0.85%
Average Daily Balance $500,000 +0.95%0.95%
IRA/Share & Business Share Certificates $500-$24,9992/26/20
91 day0.55%0.55%
6 month0.80% 0.80%
1 year1.39%1.40%
18 month*1.59%1.60%
2 year1.59%1.60%
30 month†1.74%1.75%
3 year1.74% 1.75%
4 year1.74%1.75%
5 year1.98%2.00%
2 year Changeable (Bump Up) **1.59%1.60%
IRA/Share Certificates & Business Share Certificates $25,000- $99,9992/26/20
91 day0.55%0.55%
6 month0.80%0.80%
1 year1.44%1.45%
18 month*1.64%1.65%
2 year1.64%1.65%
30 month†1.78%1.80%
3 year1.78%1.80%
4 year1.78%1.80%
5 year2.03% 2.05%
2 year Changeable (Bump Up) **1.64%1.65%
IRA/Share Certificates & Business Share Certificates $100,000 +2/26/20
91 days0.55%0.55%
6 month0.80% 0.80%
1 year1.49%1.50%
18 month*1.69%1.70%
2 year1.69%1.70%
30 month†1.78%1.80%
3 year1.78%1.80%
4 year1.78%1.80%
5 year2.03%2.05%
2 year Changeable (Bump Up)**1.69%1.70%
Dream Builder Share Certificates***2/26/20
Minimum Balance: $5
1 year0.89%0.89%
2 year1.08%1.09%
3 year1.23% 1.24%

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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