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Share Rates as of July 1, 2010
Share Certificate Rates as of September 1, 2010
SHARE RATES
Share/Savings Accounts
| Account Type |
Dividend
Rate
|
APY*
|
Minimum
Balance
|
|
Share / Savings
|
0.35%
|
0.35%
|
$5.00
|
| Share Draft / Checking |
0.15%
|
0.15%
|
none
|
| Club Accounts |
0.35%
|
0.35%
|
none
|
| IRA's (Individual Retirement Accounts) |
0.75%
|
0.75%
|
none
|
*APY = Annual Percentage Yield
All rates subject to change without notice.
Money Market Accounts
| Money Market Accounts |
Dividend
Rate
|
APY*
|
| Tier 1 - $2,500 - $9,999 |
.55%
|
.55%
|
| Tier 2 - $10,000 - $49,999 |
.65%
|
.65%
|
| Tier 3 - $50,000 - $99,000 |
.90%
|
.90%
|
| Tier 4 - $100,000 + |
1.25%
|
1.26%
|
Rate Effective March 1, 2010
*APY = Annual Percentage Yield
All rates subject to change without notice.
Share Certificates
| Share Certificate Term |
Dividend
Rate
|
APY*
|
Minimum Balance
|
| 6 Month |
.70%
|
.70%
|
$500
|
| 12 Month |
1.05%
|
1.05%
|
$500
|
| 18 Month |
1.20%
|
1.20%
|
$500
|
| 24 Month |
1.50%
|
1.50%
|
$500
|
| 36 Month |
2.05%
|
2.05%
|
$500
|
| 48 Month |
2.50%
|
2.50%
|
$500
|
| 60 Month |
2.80%
|
2.80%
|
$500
|
Penalty imposed for early withdrawal
*APY = Annual Percentage Yield
All rates subject to change without notice.
IRA Share Certificates
| IRA Share Certificate Term |
Dividend
Rate
|
APY*
|
Minimum Balance
|
| 12 Month |
1.05%
|
1.05%
|
$500
|
| 24 Month |
1.50%
|
1.50%
|
$500
|
| 36 Month |
2.05%
|
2.05%
|
$500
|
| 48 Month |
2.50%
|
2.50%
|
$500
|
| 60 Month |
2.80%
|
2.80%
|
$500
|
Penalty imposed for early withdrawal
*APY =Annual Percentage Yield
All rates subject to change without notice.
Share Savings Accounts:
APY=Annual Percentage Yield. Fees may reduce earnings on the account(s).
Regular Share Savings Accounts require a minimum balance of $5.00 to open the account.
Money Market accounts require a minimum deposit of $2500 to open the account and to earn the advertised APY dividend. Dividends are paid from current income and available earings after required transfers to reserves at the end of the dividend period.
Penalty imposed for early withdrawal on Share Certificates and IRA Share Certificates
All rates are subject to change without notice.
Rates effective as of the date shown above. All rates are subject to change without notice.
Contact Americo FCU for current rates, applicable terms and fees.
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