SHARE AND IRA CERTIFICATE YIELDS - Effective September 1, 2010
AMOUNTS $500 - 2499 $2500 - 9999 $10000 - over
  Div Rate APY* Div Rate APY* Div Rate APY*
182 DAYS 0.45 0.45 0.50 0.50 0.55 0.55
365 DAYS 0.60 0.60 0.85 0.85 0.95 0.95
730 DAYS 0.80 0.80 1.15 1.16 1.35 1.36
1095 DAYS 0.90 0.90 1.60 1.61 1.70 1.71
1825 DAYS 1.35 1.36 2.20 2.22 2.30 2.32
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

Dividends will be paid during grace period if certificate is not renewed
*Annual Percentage Yield (APY) computed by compounding dividends quarterly
Rates subject to change without prior notice.

SHARES, YOUTH, CLUB, VACATION & CHRISTMAS ACCOUNT YIELDS
Effective April 1, 2010 Div Rate APY**
Up to $2999 0.20% 0.20%
$3000 - over 0.45% 0.20-0.45%
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
Effective June 1, 2010 Div Rate APY**
$2,500 to $24,999 0.30 0.30%
$25,000 - over 0.45% 0.30%-0.45%
Div Rate=Dividend Rate | APY=Annual Percentage Yield

Dividends paid monthly, computed on avg. daily balance
Three free withdrawals monthly. $1.00 fee for each withdrawal over 3 per month.
**Annual Percentage Yield (APY) computed by compounding dividends monthly

IRA YIELDS
Effective Junel 1, 2010 Div Rate APY**
All Balances 0.30% 0.30%
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
Effective June 1, 2001 Div Rate APY**
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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