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SHARE/CD/IRA Rates


Rates Effective 09/16/2008

Annual Percentage Yield (APY) is the total amount of dividends paid on an account based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for an early withdrawal of a fixed term certificate or IRA. Rates are subject to change without notice.

FALL CD SPECIAL
4.50% APY 4.41% APR
  • 1 year term

  • $5,000 minimum

  • Must have: Checking Account + 1 other service - loan, E-Statements, additonal Certificate of Deposit, IRA or direct deposit



  • SHARES
    ACCOUNT APY RATE MIN BALANCE VALID THRU
    Regular Savings (S1) .50% .50% $5 06/30/2008
    All Purpose Savings (S2) .50% .50% None 06/30/2008
    Holiday Savings Club (S3) .56% .56% None 10/31/2008
    Plus Savings (S4)
    If minimum not maintained
    1.00%
    .50%
    .99%
    .50%
    $2000 10/31/2008
    Liquid Gold Savings (S5)
    If minimum not maintained
    1.58%
    .50%
    1.57%
    .50%
    $25,000 10/31/2008
    Checking (Share Draft) 0% 0% $0.00 N/A


    CERTIFICATES OF DEPOSIT
    BALANCE 6 MONTHS 1 YEAR 2 YEAR'S 3 YEAR'S 4 YEAR'S 5 YEAR'S
    APY Rate APY Rate APY Rate APY Rate APY Rate APY Rate
    Youth CD $250 3.00 2.96
    $2,000 - $4,999 2.35 2.33 2.60 2.57 3.10 3.06 3.20 3.15 3.40 3.35 3.65 3.59
    $5,000 - $9,999 2.40 2.37 2.65 2.62 3.30 3.25 3.30 3.25 3.50 3.445 3.85 3.78
    $10,000 - $24,999 2.50 2.47 2.75 2.72 3.40 3.35 3.40 3.35 3.60 3.54 3.90 3.83
    $25,000+ 2.69 2.66 2.90 2.86 3.50 3.445 3.50 3.45 3.70 3.64 4.00 3.93


    FIXED RATE IRA CERTIFICATE OF DEPOSITS
    BALANCE 1 YEAR 2 YEAR'S 3 YEAR'S 4 YEAR'S 5 YEAR'S
    APY Rate APY Rate APY Rate APY Rate APY Rate
    $2,000 - $24,999 2.85 2.82 3.00 2.97 3.20 3.16 3.45 3.41 3.65 3.60
    $25,000+ 2.90 2.87 3.20 3.16 3.30 3.26 3.50 3.455 3.75 3.70


    IRA VARIABLE RATE 04/01/2008 thru 06/30/2008 1.71% APY 1.70% Rate

    CERTIFICATE OF DEPOSIT RELATIONSHIP REWARDS (Not applicable to CD Specials)

    New Money Bonus (money not currently on deposit at EPCU) add .10
    Loyalty Bonus add .10 to any CD with a loan balance of $15,000 or more.

    No early redemptions on CD's with credit union when reinvesting.

    No loyalty or new money bonus with rate matches. (Effective May 20, 2008, only matching local credit union).