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| Account Types | Dividend Rate | Annual Percentage Yield | Effective |
|---|---|---|---|
| Share/Savings & Business Share/Savings | 0.25% | 0.25% | 10/1/19 - 10/31/19 |
| Minimum Average Daily Balance of $100 or more | |||
| Dollar Dog, The Edge & Cha Ching Youth Share/Savings | 0.25% | 0.25% | 10/1/19 - 10/31/19 |
| No Minimum Average Daily Balance | |||
| Individual Retirement Account 1 | 0.40% | 0.40% | 10/1/19 - 12/31/19 |
| 1Last Dividend Declaration Date of 01/01/2018 | |||
| Specials | |||
| Checking/Share Draft | 10/1/19 - 10/31/19 | ||
| Simply Checking | 0.00% | 0.00% | |
| Simply More | 0.00% | 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 | 10/1/19 - 10/31/19 | ||
| Average Daily Balance of $100 - $2,499 | 0.25% | 0.25% | |
| Average Daily Balance of $2,500 - $9,999 | 0.35% | 0.35% | |
| Average Daily Balance of $10,000 - $24,999 | 0.45% | 0.45% | |
| Average Daily Balance of $25,000 - $49,999 | 0.55% | 0.55% | |
| Average Daily Balance of $50,000 - $99,999 | 0.65% | 0.65% | |
| Average Daily Balance $100,000 - $249,999 | 0.75% | 0.75% | |
| Average Daily Balance $250,000 - $499,999 | 0.85% | 0.85% | |
| Average Daily Balance $500,000 + | 0.95% | 0.95% | |
| IRA/Share & Business Share Certificates $500-$24,999 | 10/23/19 | ||
| 91 day | 0.55% | 0.55% | |
| 6 month | 0.80% | 0.80% | |
| 1 year | 1.54% | 1.55% | |
| 18 month* | 1.79% | 1.80% | |
| 2 year | 1.79% | 1.80% | |
| 30 month† | 1.88% | 1.90% | |
| 3 year | 1.88% | 1.90% | |
| 4 year | 1.88% | 1.90% | |
| 5 year | 2.08% | 2.10% | |
| 2 year Changeable (Bump Up) ** | 1.79% | 1.80% | |
| IRA/Share Certificates & Business Share Certificates $25,000- $99,999 | 10/23/19 | ||
| 91 day | 0.55% | 0.55% | |
| 6 month | 0.80% | 0.80% | |
| 1 year | 1.59% | 1.60% | |
| 18 month* | 1.83% | 1.85% | |
| 2 year | 1.83% | 1.85% | |
| 30 month† | 1.93% | 1.95% | |
| 3 year | 1.93% | 1.95% | |
| 4 year | 1.93% | 1.95% | |
| 5 year | 2.13% | 2.15% | |
| 2 year Changeable (Bump Up) ** | 1.83% | 1.85% | |
| IRA/Share Certificates & Business Share Certificates $100,000 + | 10/23/19 | ||
| 91 days | 0.55% | 0.55% | |
| 6 month | 0.80% | 0.80% | |
| 1 year | 1.64% | 1.65% | |
| 18 month* | 1.88% | 1.90% | |
| 2 year | 1.88% | 1.90% | |
| 30 month† | 1.93% | 1.95% | |
| 3 year | 1.93% | 1.95% | |
| 4 year | 1.93% | 1.95% | |
| 5 year | 2.13% | 2.15% | |
| 2 year Changeable (Bump Up)** | 1.88% | 1.90% | |
| Dream Builder Share Certificates*** | 10/23/19 | ||
| Minimum Balance: $5 | |||
| 1 year | 1.04% | 1.04% | |
| 2 year | 1.28% | 1.29% | |
| 3 year | 1.38% | 1.39% | |
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.