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
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
| 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 |
| 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 |
| 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).
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).