Interest Rates
Revised Rates as of November 9, 2009. All dividends are calculated on the actual daily balance. Rates are subject to change. Fees may reduce earnings. Contact our Member Service Department at (419) 334-4434 in Fremont or (419) 849-2570 in Woodville for more information.
Share Certificates
|
Term of Certificate |
Type of Certificate |
Nominal Rate |
Annual Percentage Yield |
Min Daily Bal to Earn Dividends |
Dividends Compounded |
|
6 Month |
Regular/ IRA |
.7.50.50%%.50% |
.50% |
$1000.00 |
Daily |
|
12 Month |
Regular/ IRA |
.75% |
.75% |
$1000.00 |
Daily |
|
18 Month |
Regular/ IRA |
1.00% |
1.00% |
$1000.00 |
Daily |
|
24 Month |
Regular/ IRA |
1.50% |
1.51% |
$1000.00 |
Daily |
|
30 Month |
Regular/ IRA |
1.75% |
1.77% |
$1000.00 |
Daily |
|
36 Month |
Regular/ IRA |
1.85% |
1.87% |
$1000.00 |
Daily |
|
36 Month Freedom |
Regular/IRA |
2.25% |
2.28% |
$5000.00 |
Daily |
|
48 Month |
Regular/ IRA |
2.50% |
2.53% |
$1000.00 |
Daily |
|
60 Month |
Regular/ IRA |
2.75% |
2.79% |
$1000.00 |
Daily |
|
|
|
|
|
|
|
*IRA Certificates available in terms of 6 Months or longer. Share Certificate Specials are offered for IRAs at our discretion.
Share Certificate Penalties - we may impose a penalty if you withdraw any of the prinicipal before the maturity date. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: terms of 1 year or less = 90 dividend penalty; terms of more than 1 year = 180 dividend penalty.
Exceptions to Share Certificate Penalties - at our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: when an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction; where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment, or where the account is an IRA or Keogh and the owner attains age 59 1/2 or becomes disabled.
Share Accounts
|
Type of Account |
Nominal Rate |
Annual Percentage Yield |
Min Daily Bal to Earn Dividends |
Min Amnt to Open Account |
Dividends Compound and Paid |
||||||||||||||||
|
Share Account |
S1/S2 |
.25% |
.25% |
$100.00 |
$25.00 |
Quarterly |
|||||||||||||||
|
Dollar Dog Kids Club Savings |
S1 |
.25% |
.25% |
All Balances |
$25.00 |
Quarterly |
|||||||||||||||
|
Cha-Ching Teen Savings |
S1 |
.25% |
.25% |
All Balances |
$25.00 |
Quarterly |
|||||||||||||||
|
Club Accounts |
S3/S4 |
.25% |
.25% |
All Balances |
|
Quarterly |
|||||||||||||||
|
Regular Checking |
S8 |
.05% |
.05% |
$1000.00 |
$50.00 |
Monthly |
|||||||||||||||
|
Premier Checking |
S50 |
.05% |
.05% |
All Balances |
$50.00 |
Monthly |
|||||||||||||||
|
IRA Savings HSA Savings
|
S7/S17 S57
|
.25% .50% |
.25% .50% |
$.01-999.99 $1,000 and higher |
$25.00 |
Quarterly |
|||||||||||||||
|
Money Market Savings Account
|
S9
|
|
1000.00
|
Monthly
|
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Dividend Information - dividends are paid on all share accounts and share certificate accounts are subject to Credit Union earnings and determined from the previous accounting period. Rates stated here are for previous periods or anticipated.
Fremont, OH
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Woodville, OH
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