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Savings/Share Certificate
Effective as of June 15, 2024 Savings/Share Rates
Dividend Rate Annual Percentage Yield Effective
0.15%0.15%6/1/24 - 6/30/24
Minimum Average Daily Balance of $100 or more
0.15%0.15%6/1/24 - 6/30/24
No Minimum Average Daily Balance
0.25%0.25%4/1/24 - 6/30/24
1Last Dividend Declaration Date of 01/01/2020
Checking/Share Draft6/1/24 - 6/30/24
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 +) 0.10% 0.10%
*Amounts in ( ) is the Minimum Average Daily Balance.
High Yields/Business High Yield $300,000+6/1/24 - 6/30/24
High Yields/Business High Yield3.00%3.00%
Money Market /Business Money Market 6/1/24 - 6/30/24
Average Daily Balance of $2,500 - $9,9990.50%0.50%
Average Daily Balance of $10,000 - $24,9990.70%0.70%
Average Daily Balance of $25,000 - $49,9990.80% 0.80%
Average Daily Balance of $50,000 - $99,9990.85%0.85%
Average Daily Balance $100,000 - $249,9991.10%1.11%
Average Daily Balance $250,000 - $499,9991.10%1.11%
Average Daily Balance $500,000 +1.15%1.16%
IRA/Share & Business Share Certificates $500-$24,9996/11/24
91 day2.570%2.60%
6 month2.618% 2.65%
1 year4.793%4.90%
18 Months4.841%4.95%
2 year4.841%4.95%
2 year Changeable (Bump Up) **3.977%4.05%
30 month†3.977%4.05%
3 year3.977% 4.05%
4 year3.590%3.65%
5 year3.832%3.90%
IRA/Share Certificates & Business Share Certificates $25,000- $99,9996/11/24
91 day2.618%2.65%
6 month2.667%2.70%
1 year4.841%4.95%
18 Months4.889%5.00%
2 year4.889%5.00%
2 year Changeable (Bump Up) **4.025%4.10%
30 month†4.025%4.10%
3 year4.025%4.10%
4 year3.639%3.70%
5 year3.880% 3.95%
IRA/Share Certificates & Business Share Certificates $100,000 +6/11/24
91 days2.667%2.70%
6 month2.716% 2.75%
1 year4.889%5.00%
18 Months4.937%5.05%
2 year4.937%5.05%
2 year Changeable (Bump Up)**4.073%4.15%
30 month†4.073%4.15%
3 year4.073%4.15%
4 year3.687%3.75%
5 year3.928%4.00%
Dream Builder Share Certificates***6/11/24
Minimum Balance: $5
1 year3.737%3.80%
2 year3.494%3.55%
3 year2.765% 2.80%

†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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