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| Account Types | Dividend Rate | Annual Percentage Yield | Effective |
|---|---|---|---|
| Share/Savings,Business Share/Savings,Individual Development Account | 0.15% | 0.15% | 7/1/25 - 7/31/25 |
| Minimum Average Daily Balance of $100 or more | |||
| Dollar Dog, The Edge & Cha Ching Youth Share/Savings | 0.15% | 0.15% | 7/1/25 - 7/31/25 |
| No Minimum Average Daily Balance | |||
| Individual Retirement Account 1 | 0.25% | 0.25% | 7/1/25 - 9/30/25 |
| 1Last Dividend Declaration Date of 01/01/2020 | |||
| Checking/Share Draft | 7/1/25 - 7/31/25 | ||
| 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 +) | 0.10% | 0.10% | |
| *Amounts in ( ) is the Minimum Average Daily Balance. | |||
| High Yield/Business High Yield | 7/1/25 - 7/31/25 | ||
| High Yield/Business High Yield $300,000 - $999,999 | 3.000% | 3.04% | |
| High Yield/Business High Yield $1,000,000 | 3.69% | 3.75% | 7/1/2025 |
| Money Market /Business Money Market | 7/1/25 - 7/31/25 | ||
| Average Daily Balance of $2,500 - $9,999 | 0.50% | 0.50% | |
| Average Daily Balance of $10,000 - $24,999 | 0.70% | 0.70% | |
| Average Daily Balance of $25,000 - $49,999 | 0.80% | 0.80% | |
| Average Daily Balance of $50,000 - $99,999 | 0.85% | 0.85% | |
| Average Daily Balance $100,000 - $249,999 | 1.10% | 1.11% | |
| Average Daily Balance $250,000 - $499,999 | 1.10% | 1.11% | |
| Average Daily Balance $500,000 + | 1.15% | 1.16% | |
| IRA/Share & Business Share Certificates $500-$24,999 | 7/15/25 | ||
| 91 day | 3.01% | 3.05% | |
| 6 month | 3.83% | 3.90% | |
| 1 year | 4.12% | 4.20% | |
| 18 Months | 3.83% | 3.90% | |
| 2 year | 3.83% | 3.90% | |
| 2 year Changeable (Bump Up) ** | 3.40% | 3.45% | |
| 30 month† | 3.35% | 3.40% | |
| 3 year | 3.35% | 3.40% | |
| 4 year | 3.25% | 3.30% | |
| 5 year | 3.49% | 3.55% | |
| IRA/Share Certificates & Business Share Certificates $25,000- $99,999 | 7/15/25 | ||
| 91 day | 3.06% | 3.10% | |
| 6 month | 3.88% | 3.95 | |
| 1 year | 4.17% | 4.25% | |
| 18 Months | 3.88% | 3.95% | |
| 2 year | 3.88% | 3.95% | |
| 2 year Changeable (Bump Up) ** | 3.45% | 3.50% | |
| 30 month† | 3.40% | 3.45% | |
| 3 year | 3.40% | 3.45% | |
| 4 year | 3.30% | 3.35% | |
| 5 year | 3.54% | 3.60% | |
| IRA/Share Certificates & Business Share Certificates $100,000 + | 7/15/25 | ||
| 91 days | 3.11% | 3.15% | |
| 6 month | 3.93% | 4.00% | |
| 1 year | 4.22% | 4.30% | |
| 18 Months | 3.93% | 4.00% | |
| 2 year | 3.93% | 4.00% | |
| 2 year Changeable (Bump Up)** | 3.49% | 3.55% | |
| 30 month† | 3.45% | 3.50% | |
| 3 year | 3.45% | 3.50% | |
| 4 year | 3.35% | 3.40% | |
| 5 year | 3.59% | 3.65% | |
| Dream Builder Share Certificates*** | 7/15/25 | ||
| Minimum Balance: $5 | |||
| 1 year | 3.40% | 3.45% | |
| 2 year | 2.57% | 2.60% | |
| 3 year | 2.37% | 2.40% | |
†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.
