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Savings Rates
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| Dividend Rates |
| Effective November 1, 2008 |
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| Account Type |
Rate Type |
Minimum Balance Requirements |
Dividend Rate |
Annual Percentage Yield (APY*) |
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| Regular and Club Share Accounts |
Variable |
$ 25 |
0.75% |
0.75% |
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$ 5,000 |
0.85% |
0.85% |
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$ 25,000 |
0.95% |
0.95% |
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$ 50,000 |
1.10% |
1.11% |
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| Share Draft Accounts |
Variable |
$ 0 |
0.00% |
0.00% |
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$ 25 |
0.25% |
0.25% |
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$ 5,000 |
0.35% |
0.35% |
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$ 25,000 |
0.45% |
0.45% |
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$ 50,000 |
0.60% |
0.60% |
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| IRA Share Accounts |
Variable |
$ 25 |
1.15% |
1.16% |
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| Holiday Club Certificate*** (Matures in November each year) |
Fixed |
$ 25 |
1.20% |
1.21% |
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| Share Certificate Accounts** |
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| 3 Month Certificate |
Fixed |
$ 5,000 |
2.30% |
2.33% |
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$ 25,000 |
2.40% |
2.43% |
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$ 50,000 |
2.50% |
2.53% |
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| 6 Month Certificate |
Fixed |
$ 5,000 |
2.55% |
2.58% |
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$ 25,000 |
2.65% |
2.69% |
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$ 50,000 |
2.75% |
2.79% |
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| 12 Month Certificate |
Fixed |
$ 5,000 |
3.15% |
3.20% |
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$ 25,000 |
3.25% |
3.30% |
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$ 50,000 |
3.35% |
3.41% |
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| Youth Certificate**** (Matures on 18th Birthday) |
Variable |
$ 250 |
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| Rates subject to change. Call the credit union at 619.579.0941 for current rate information. |
| Accounts are insured by the National Credit Union Administration to at least $250,000. |
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| *APY-Annual percentage yield is based on an assumption that dividends will remain on deposit for the entire term of the dividend period. Earnings are reduced by withdrawals from the account. |
| **Share Certificate Accounts-Subject to penalties for early withdrawal. |
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| ***Holiday Club Certificate Accounts-Are established by January 31 each year, additional deposits can be credited to the account throughout the year. Fee for early withdrawal. |
| ****Youth Certificate Accounts-rates based on monthly average of 26 week Treasury Bill rate adjusted monthly. Additional deposits of $25 or more can be credited to the account throughout the lifetime of the certificate. |
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266 S. Magnolia Avenue
Suite 101
El Cajon, California 92020
P: 619.579.0941
F: 619.579.2057
info@elcajonfcu.org |
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