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Deposit Rates
| Standard Share & IRA Certificates (# denotes term available for IRA CD) |
| Term |
Dividend
Rate |
Standard
A.P.Y.* |
Jumbo
Div Rate |
Jumbo
A.P.Y.* |
Minimum Deposit |
| 6 Month |
1.24% |
1.25% |
1.29% |
1.30% |
Standard Rate: $500
Jumbo Rate: $35,000 |
| 9 Month |
1.39% |
1.40% |
1.44% |
1.45% |
| 12 Month # |
1.54% |
1.55% |
1.59% |
1.60% |
| 18 Month |
1.74% |
1.75% |
1.79% |
1.80% |
| 24 Month # |
1.98% |
2.00% |
2.03% |
2.05% |
| 36 Month # |
2.47% |
2.50% |
2.52% |
2.55% |
| 48 Month # |
2.76% |
2.80% |
2.81% |
2.85% |
| 60 Month # |
3.01% |
3.05% |
3.06% |
3.10% |
| Share Certificates with Rate Bump Option |
| 36 Month |
2.27% |
2.29% |
2.32% |
2.34% |
Standard Rate: $5,000
Jumbo Rate: $35,000 |
| 48 Month |
2.56% |
2.59% |
2.61% |
2.64% |
| 60 Month |
2.81% |
2.85% |
2.86% |
2.90% |
Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
* Yields are compounded monthly. A penalty may
be charged for early withdrawal. A.P.Y. is current as of Feb 8, 2010.
# indicates term available for Traditional / Roth IRA Certificates. Jumbo and rate-bump options not available for IRA CD's.
|
| Deposit Accounts |
| Account Type |
Dividend
Rate |
A.P.Y. |
Dividends
Compounded |
Dividends
Paid |
Minimum Amt to
Recv Dividend |
| Regular Shares1 (pd 1/1/10) |
1.00% |
1.00% |
Quarterly |
Quarterly |
N/A |
| Money Market 2 |
1.00% |
1.01% |
Daily | Monthly |
$500.00 |
| Health Savings Account 2 |
1.54% |
1.55% |
Daily | Monthly | $50.00 |
| Traditional / Roth IRA 2 |
1.00% |
1.01% |
Daily | Monthly | $5.00 |
1 Quarterly dividend rates on regular shares are set by the ACU Board of Directors and are published at the end of the quarter.
2 A.P.Y. current as of Feb 8, 2010. The dividends are variable rates, compounded daily and paid monthly.
|
| Checking Rates |
| Account Type |
Dividend
Rate |
A.P.Y. |
Dividends
Compounded |
Dividends
Paid |
|
| Tier 1 ($500-$9,999.99) |
0.75% |
0.75% |
Daily | Monthly |
|
| Tier 2 ($10,000-$49,999.99) |
0.75% |
0.75% |
| Tier 3 ($50,000+) |
1.24% |
1.25% |
A.P.Y. current as of Feb 8, 2010. The dividends are variable rates, compounded daily and paid monthly. A minimum balance of $500
is required to earn dividends.
|
| Club Account Rates |
| Account Type |
Dividend
Rate |
A.P.Y. |
Dividends
Compounded |
Dividends
Paid |
Pay Date |
| Christmas Club3 |
0.71% |
0.71% |
Annually | Annually | November 1 |
| Vacation Club4 |
0.50% |
0.50% |
Annually | Annually | May 1 |
| CD Builder Club |
1.00% |
1.01% |
Daily | Monthly | ** |
3 Dividend listed is based on 1/2 of the regular share dividend rate from 10/1/08 to 9/30/09 and is paid based on avg daily
balance.
4 Dividend listed is based on 1/2 of the regular share dividend rate from 4/1/09 to 3/31/10 and is paid based on avg daily balance.
** Balance will be automatically invested into a certificate when balance exceeds $500.
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