| SHARE AND IRA CERTIFICATE YIELDS - Effective November 19, 2008 |
| 182 DAYS |
2.15 |
2.17 |
2.35 |
2.37 |
2.45 |
2.47 |
| 365 DAYS |
2.45 |
2.47 |
2.65 |
2.68 |
2.75 |
2.78 |
| 730 DAYS |
2.70 |
2.73 |
2.90 |
2.93 |
3.00 |
3.03 |
| 1095 DAYS |
2.90 |
2.93 |
3.10 |
3.14 |
3.20 |
3.24 |
| 1825 DAYS |
3.40 |
3.44 |
3.60 |
3.65 |
3.70 |
3.75 |
| Div Rate=Dividend Rate | APY=Annual Percentage Yield |
Certificates are automatically renewable
Penalty for early withdrawal:
- 90 days interest on original maturity of 364 days or less
- 120 days interest on original maturity of 365 days or more issued prior to 5-15-02.
- 180 days interest on original maturity of 365 days or more issued on 5-15-02 or after.
Dividends paid monthly by check only
Dividends paid quarterly - by check, deposit to shares or compounded back to certificate
*Annual Percentage Yield (APY) computed by compounding dividends quarterly
Rates subject to change without prior notice.
| SHARES, YOUTH, CLUB, VACATION & CHRISTMAS ACCOUNT YIELDS |
| Up to $2999 |
0.55% |
0.65% |
| $3000 - over |
0.90% |
0.65-0.90% |
| Div Rate=Dividend Rate | APY=Annual Percentage Yield |
Dividends paid monthly, computed on avg. daily balance per tier
Dividends are not paid on balances less than $25
**Annual Percentage Yield (APY) computed by compounding dividends monthly
| MONEY MARKET YIELDS |
| $2,500 to $24,999 |
1.25% |
1.26% |
| $25,000 - over |
1.40% |
1.26-1.41% |
| Div Rate=Dividend Rate | APY=Annual Percentage Yield |
Dividends paid monthly, computed on avg. daily balance
Three free withdrawals monthly. $15.00 fee for each withdrawal over 3 per month.
**Annual Percentage Yield (APY) computed by compounding dividends monthly
| IRA YIELDS |
| All Balances |
2.10% |
2.12% |
| Div Rate=Dividend Rate | APY=Annual Percentage Yield |
Dividends paid monthly, computed on avg. daily balance
Dividends are not paid on balances less than $25
**Annual Percentage Yield (APY) computed by compounding dividends monthly
| SHARE DRAFT YIELDS |
| All Balances |
No Dividends |
N/A |
| Div Rate=Dividend Rate | APY=Annual Percentage Yield |
Dividends paid monthly, computed on avg. daily bal per tier
*If avg. daily balance is greater than $1000 than dividends will be paid starting on $.01.
**Annual Percentage Yield (APY) computed by compounding dividends monthly
NOTE:
The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
NOTE:
This is not intended as any form of advertisement or disclosure under Truth in Savings.
Call EquiShare Credit Union for full disclosures and current yields at 316-263-6171.
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