- Deposit Accounts
- Loans & Credit Cards
- Investments & Insurance
- Business
- E-Services
- Financial Resources
| Account Types | Dividend Rate | Annual Percentage Yield | Effective |
|---|---|---|---|
| Share/Savings & Business Share/Savings | 0.25% | 0.25% | 12/1/18 - 12/31/18 |
| Minimum Average Daily Balance of $100 or more | |||
| Dollar Dog, The Edge & Cha Ching Youth Share/Savings | 0.25% | 0.25% | 12/1/18 - 12/31/18 |
| No Minimum Average Daily Balance | |||
| Individual Retirement Account 1 | 0.40% | 0.40% | 10/1/18 - 12/31/18 |
| 1Last Dividend Declaration Date of 01/01/2018 | |||
| Specials | |||
| Minimum Balance: $5,000 in New Money | |||
| Checking/Share Draft | 12/01/18 - 12/31/18 | ||
| 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 | 12/01/18 - 12/31/18 | ||
| Average Daily Balance of $100 - $2,499 | 0.25% | 0.25% | |
| Average Daily Balance of $2,500 - $9,999 | 0.40% | 0.40% | |
| Average Daily Balance of $10,000 - $24,999 | 0.50% | 0.50% | |
| Average Daily Balance of $25,000 - $49,999 | 0.60% | 0.60% | |
| Average Daily Balance of $50,000 - $99,999 | 0.70% | 0.70% | |
| Average Daily Balance $100,000 - $249,999 | 0.80% | 0.80% | |
| Average Daily Balance $250,000 - $499,999 | 0.88% | 0.88% | |
| Average Daily Balance $500,000 + | 1.05% | 1.05% | |
| IRA/Share & Business Share Certificates $500-$24,999 | 12/05/18 | ||
| 91 day | 0.70% | 0.70% | |
| 6 month | 0.95% | 0.95% | |
| 1 year | 1.95% | 1.97% | |
| 18 month* | 2.13% | 2.15% | |
| 2 year | 2.18% | 2.20% | |
| 30 month† | 2.18% | 2.20% | |
| 3 year | 2.28% | 2.30% | |
| 4 year | 2.40% | 2.43% | |
| 5 year | 2.67% | 2.70% | |
| 2 year Changeable (Bump Up) ** | 2.18% | 2.20% | |
| IRA/Share Certificates & Business Share Certificates $25,000- $49,999 | 12/05/18 | ||
| 91 day | 0.75% | 0.75% | |
| 6 month | 1.00% | 1.00% | |
| 1 year | 2.10% | 2.12% | |
| 18 month* | 2.18% | 2.20% | |
| 2 year | 2.23% | 2.25% | |
| 30 month† | 2.23% | 2.25% | |
| 3 year | 2.33% | 2.36% | |
| 4 year | 2.45% | 2.48% | |
| 5 year | 2.72% | 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 day | 0.80% | 0.80% | |
| 6 month | 1.05% | 1.06% | |
| 1 year | 2.20% | 2.22% | |
| 18 month* | 2.23% | 2.25% | |
| 2 year | 2.33% | 2.36% | |
| 30 month† | 2.28% | 2.30% | |
| 3 year | 2.37% | 2.40% | |
| 4 year | 2.55% | 2.58% | |
| 5 year | 2.77% | 2.81% | |
| 2 year Changeable (Bump Up) ** | 2.33% | 2.36% | |
| IRA/Share Certificates & Business Share Certificates $100,000 + | 12/05/18 | ||
| 91 days | 0.85% | 0.85% | |
| 6 month | 1.10% | 1.11% | |
| 1 year | 2.25% | 2.27% | |
| 18 month* | 2.28% | 2.30% | |
| 2 year | 2.38% | 2.41% | |
| 30 month† | 2.33% | 2.36% | |
| 3 year | 2.42% | 2.45% | |
| 4 year | 2.60% | 2.63% | |
| 5 year | 2.81% | 2.85% | |
| 2 year Changeable (Bump Up)** | 2.38% | 2.41% | |
| Dream Builder Share Certificates*** | 12/05/18 | ||
| Minimum Balance: $5 | |||
| 1 year | 1.45% | 1.46% | |
| 2 year | 1.68% | 1.69% | |
| 3 year | 1.78% | 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.