First Light Federal Credit Union

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Savings/Share Certificate

Effective as of March 2, 2015 Savings/Share Rates
Dividend Rate Annual Percentage Yield Effective
0.15%0.15%3/01/15 - 3/31/15
Minimum Average Daily Balance of $100 or more
0.25%0.25%3/01/15 - 3/31/15
No Minimum Average Daily Balance
0.30%0.30%1/01/15 - 3/31/15
1Last Dividend Declaration Date of 01/01/2015
Checking/Share Draft3/01/15 - 3/31/15
Simply Checking0.00%0.00%
Simply More0.00%0.00%
Simply More ($2,500-$4,999)*0.025%0.025%
Simply More ($5,000)*0.05%0.05%
Business Premier ($7,500 +) 0.05% 0.05%
*Amounts in ( ) is the Minimum Average Daily Balance.
Money Market /Business Money Market 3/01/15 - 3/31/15
Minimum Daily Balance of < $2,5000.15%0.15%
Minimum Daily Balance of $2,500 - $24,9990.15%0.15%
Minimum Daily Balance of $25,000 - $49,9990.50% 0.50%
Minimum Daily Balance of $50,000 - $99,9990.50%0.50%
Minimum Daily Balance $100,000 +0.60%0.60%
IRA/Share & Business Share Certificates $500-$24,9993/01/2015
91 day0.35%0.35%
6 month0.45% 0.45%
1 year0.85%0.85%
18 month*0.90% 0.90%
2 year**0.95%0.95%
3 year1.59% 1.60%
4 year1.25%1.26%
5 year1.75%1.76%
IRA/Share Certificates & Business Share Certificates $25,000- $49,9993/01/2015
91 day0.40%0.40%
6 month0.50%0.50%
1 year1.00%1.01%
18 month*0.95%0.95%
2 year**1.00%1.00%
3 year1.59%1.60%
4 year1.30%1.31%
5 year1.80% 1.81%
IRA/Share Certificate & Business Share Certificates $50,000 - $99,999 3/01/2015
91 day0.45% 0.45%
6 month0.55%0.55%
1 year1.05%1.06%
18 month*1.00% 1.00%
2 year**1.35%1.36%
3 year1.59%1.60%
4 year1.35%1.36%
5 year1.85% 1.87%
IRA/Share Certificates & Business Share Certificates $100,000 +3/01/2015
91 days0.45%0.45%
6 month0.55% 0.55%
1 year1.05%1.06%
18 month*1.00%1.00%
2 year**1.35%1.36%
3 year1.59%1.60%
4 year1.35%1.36%
5 year1.85%1.87%
Dream Builder Share Certificates***3/01/2015
Minimum Balance: $5
1 year0.35%0.35%
2 year0.45%0.45%
3 year0.75% 0.75%
Specials
Term Min. Balance
Disclaimer:
*The 18 month Share Certificate is not available for business accounts. **The Changeable Share Certificate is for a 2-year term and a $2,500 minimum deposit. ***Rate may be changed one time during the term to the existing rate at member's written request. Share certificate withdrawal before maturity can result in penalties.

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..