Savings/Share Certificate
Effective as of October 22, 2019 Savings/Share Rates
Dividend Rate Annual Percentage Yield Effective
0.25%0.25%10/1/19 - 10/31/19
Minimum Average Daily Balance of $100 or more
0.25%0.25%10/1/19 - 10/31/19
No Minimum Average Daily Balance
0.40%0.40%10/1/19 - 12/31/19
1Last Dividend Declaration Date of 01/01/2018
Checking/Share Draft10/1/19 - 10/31/19
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 10/1/19 - 10/31/19
Average Daily Balance of $100 - $2,4990.25%0.25%
Average Daily Balance of $2,500 - $9,9990.35%0.35%
Average Daily Balance of $10,000 - $24,9990.45%0.45%
Average Daily Balance of $25,000 - $49,9990.55% 0.55%
Average Daily Balance of $50,000 - $99,9990.65%0.65%
Average Daily Balance $100,000 - $249,9990.75%0.75%
Average Daily Balance $250,000 - $499,9990.85%0.85%
Average Daily Balance $500,000 +0.95%0.95%
IRA/Share & Business Share Certificates $500-$24,99910/23/19
91 day0.55%0.55%
6 month0.80% 0.80%
1 year1.54%1.55%
18 month*1.79%1.80%
2 year1.79%1.80%
30 month†1.88%1.90%
3 year1.88% 1.90%
4 year1.88%1.90%
5 year2.08%2.10%
2 year Changeable (Bump Up) **1.79%1.80%
IRA/Share Certificates & Business Share Certificates $25,000- $99,99910/23/19
91 day0.55%0.55%
6 month0.80%0.80%
1 year1.59%1.60%
18 month*1.83%1.85%
2 year1.83%1.85%
30 month†1.93%1.95%
3 year1.93%1.95%
4 year1.93%1.95%
5 year2.13% 2.15%
2 year Changeable (Bump Up) **1.83%1.85%
IRA/Share Certificates & Business Share Certificates $100,000 +10/23/19
91 days0.55%0.55%
6 month0.80% 0.80%
1 year1.64%1.65%
18 month*1.88%1.90%
2 year1.88%1.90%
30 month†1.93%1.95%
3 year1.93%1.95%
4 year1.93%1.95%
5 year2.13%2.15%
2 year Changeable (Bump Up)**1.88%1.90%
Dream Builder Share Certificates***10/23/19
Minimum Balance: $5
1 year1.04%1.04%
2 year1.28%1.29%
3 year1.38% 1.39%

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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