Savings/Share Certificate
Effective as of December 9, 2018 Savings/Share Rates
Dividend Rate Annual Percentage Yield Effective
0.25%0.25%12/1/18 - 12/31/18
Minimum Average Daily Balance of $100 or more
0.25%0.25%12/1/18 - 12/31/18
No Minimum Average Daily Balance
0.40%0.40%10/1/18 - 12/31/18
1Last Dividend Declaration Date of 01/01/2018
Minimum Balance: $5,000 in New Money
Checking/Share Draft12/01/18 - 12/31/18
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 12/01/18 - 12/31/18
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 - $49,9990.60% 0.60%
Average Daily Balance of $50,000 - $99,9990.70%0.70%
Average Daily Balance $100,000 - $249,9990.80%0.80%
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-$24,99912/05/18
91 day0.70%0.70%
6 month0.95% 0.95%
1 year1.95%1.97%
18 month*2.13%2.15%
2 year2.18%2.20%
30 month†2.18%2.20%
3 year2.28% 2.30%
4 year2.40%2.43%
5 year2.67%2.70%
2 year Changeable (Bump Up) **2.18%2.20%
IRA/Share Certificates & Business Share Certificates $25,000- $49,99912/05/18
91 day0.75%0.75%
6 month1.00%1.00%
1 year2.10%2.12%
18 month*2.18%2.20%
2 year2.23%2.25%
30 month†2.23%2.25%
3 year2.33%2.36%
4 year2.45%2.48%
5 year2.72% 2.75%
2 year Changeable (Bump Up) **2.23%2.25%
IRA/Share Certificate & Business Share Certificates $50,000 - $99,999 12/05/18
91 day0.80% 0.80%
6 month1.05%1.06%
1 year2.20%2.22%
18 month*2.23%2.25%
2 year2.33%2.36%
30 month†2.28%2.30%
3 year2.37%2.40%
4 year2.55%2.58%
5 year2.77% 2.81%
2 year Changeable (Bump Up) **2.33%2.36%
IRA/Share Certificates & Business Share Certificates $100,000 +12/05/18
91 days0.85%0.85%
6 month1.10% 1.11%
1 year2.25%2.27%
18 month*2.28%2.30%
2 year2.38%2.41%
30 month†2.33%2.36%
3 year2.42%2.45%
4 year2.60%2.63%
5 year2.81%2.85%
2 year Changeable (Bump Up)**2.38%2.41%
Dream Builder Share Certificates***12/05/18
Minimum Balance: $5
1 year1.45%1.46%
2 year1.68%1.69%
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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