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New
Certificate Terms Available for a Limited Time
For a limited time only, you have the
opportunity to earn a higher rate on an ETFCU share or IRA certificate when you invest a
minimum $1,000 in a six-year or seven-year term certificate. These
certificates are nonrenewable, federally insured, and feature fixed
rates with monthly compounding. Certain restrictions may apply. Click here for current rates.
Rate information was in effect as of
February 2, 2012 and is subject to change.
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Share
Accounts
|
|
Types
|
Dividend Rate
|
Annual
Percentage
Yield
|
Minimum Balance to
Obtain APY Disclosed
|
|
Regular Shares*
|
0.15%
|
0.15%
|
$200
|
|
Special Shares
|
0.15%
|
0.15%
|
$200
|
|
Christmas Club
|
0.15%
|
0.15%
|
$200
|
|
Vacation Club
|
0.15%
|
0.15%
|
$200
|
|
Checking**
A+ and Business
|
0.05%
|
0.05%
|
$500
|
| Health
Savings Account |
0.05% |
0.05% |
$500 |
|
IRA Share Account
|
0.05%
|
0.05%
|
$500
|
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*Requires $5.00 to open account.
|
**Requires $25.00 to open
account.
|
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Dividend rates may change after
the account has been opened. Dividends on share accounts are
established monthly at a rate determined by the ETFCU Board of
Directors. Dividends are computed on the daily balance and paid monthly
for those days in which the minimum balance is on deposit. Fees may
reduce earnings.
|
|
Money
Market Share Accounts*
|
|
Tiers
|
Dividend Rate
|
Annual
Percentage
Yield
|
Minimum Balance
to Obtain APY Disclosed
|
|
$1,000 - $9,999
|
0.05%
|
0.05%
|
$1,000
|
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$10,000 - $24,999
|
0.15%
|
0.15%
|
$10,000
|
|
$25,000 - $49,999
|
0.25%
|
0.25%
|
$25,000
|
|
$50,000 & above
|
0.45%
|
0.45%
|
$50,000
|
|
*Requires a minimum balance of
$1,000 to open.
Dividend rates may change after the account has been opened. Dividends
on money market share accounts are established monthly at a rate
determined by the ETFCU Board of Directors. Dividends compound daily
and are paid monthly. Fees may reduce earnings.
|
|
Certificates
|
|
Terms
|
Dividend Rate
|
Annual
Percentage
Yield
|
Minimum Balance
to Obtain APY Disclosed
|
|
3-Month Certificate
|
0.15%
|
0.15%
|
$1,000
|
|
6-Month Certificate
|
0.20%
|
0.20%
|
$1,000
|
|
1-Year Certificate
|
0.45%
|
0.45%
|
$1,000
|
|
2-Year Certificate
|
0.70%
|
0.70%
|
$1,000
|
|
3-Year Certificate
|
0.95%
|
0.95%
|
$1,000
|
|
4-Year Certificate
|
1.20%
|
1.21%
|
$1,000
|
| 5-Year
Certificate |
1.70% |
1.71% |
$1,000 |
| 6-Year
Certificate |
1.90% |
1.92% |
$1,000 |
| 7-Year
Certificate |
1.95% |
1.97% |
$1,000 |
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There is a substantial penalty
for failure to comply with certificate requirements. Certificate rates
are subject to change weekly on Thursdays. You will be paid this rate
until first maturity.
These are fixed rate
certificates.
|
|
Individual Retirement
Account Certificates & Health Savings Account Certificates
|
|
Terms
|
Dividend Rate
|
Annual
Percentage
Yield
|
Minimum Balance
to Obtain APY Disclosed
|
|
1-Year Fixed *
|
0.50%
|
0.50%
|
N/A
|
|
2-Year Fixed *
|
0.75%
|
0.75%
|
N/A
|
|
3-Year Fixed *
|
1.00%
|
1.00%
|
N/A
|
|
4-Year Fixed *
|
1.25%
|
1.26%
|
N/A
|
| 5-Year Fixed
* |
1.75% |
1.76% |
N/A |
| 6-Year Fixed
** |
1.95% |
1.97% |
N/A |
| 7-Year Fixed
** |
2.00% |
2.02% |
N/A |
|
Certificate rates are subject to
change weekly on Thursdays. You will be paid this rate until first
maturity.
These are fixed rate certificates.
There is a substantial penalty for failure to comply with certificate,
IRA, and HSA requirements.
*Requires $1,000.00 to open.
**IRA funds only. Requires $1,000.00 to open.
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Your funds on deposit are federally
insured to at least $250,000 by the NCUA and backed by the full faith
and credit of the United States Government. IRA funds are separately
insured to $250,000. For further details regarding these accounts,
request a related disclosure or contact the Investments
Department at (812) 477-9271 or 1-800-800-9271.
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