Savings Rates

   Rates accurate as of September 1, 2015

Checking Accounts

Types

Minimum to Open

# of Debit Transactions

Dividend

APY^

Minimum Balance#

Vertical Dividend Checking* $50 15+ 2.96% 3.00% N/A
    10-14 1.98% 2.00% N/A
    5-9 1.00% 1.00% N/A
Platinum Rewards Checking** $50 N/A 0.05% 0.05% $500
Business Dividend Checking $100 N/A 0.05% 0.05% $1,000
Classic Checking $50 N/A 0.05% 0.05% $500
Debit Rewards Checking $50 N/A 0.05% 0.05% $500
Health Savings Checking N/A N/A 0.05% 0.05% $500


Share and Checking Account dividend rates may change after the account has been opened. Dividends on share and checking accounts are established and paid monthly at a rate determined by the ETFCU Board of Directors
^Annual Percentage Yield
#Minimum balance to obtain APY disclosed
*Vertical Dividends Checking - Dividends not paid on balances over $15,000. No dividend paid if all monthly requirements are not met or if fewer than 5 debit card transactions post in the month. Monthly requirements include: enrollment in eStatements, one or more online or mobile banking login(s), one or more direct deposit(s) into the account, and ten or more debit card transactions posted per month. ATM transactions do not qualify. ScoreCard Points are not rewarded on purchases from Vertical Dividend Checking
**Platinum Rewards Checking - Accountholders qualify for 500 bonus ScoreCard points per month when they meet all of the following requirements: enrollment in eStatements, one or more online or mobile banking login(s), one or more direct deposit  into the account, and ten or more debit card transactions posted per month. ATM transactions do not qualify.

Share Accounts

Types

Dividend Rate

APY*

Minimum Balance#

Regular Shares^ 0.11% 0.11% $200
Special Shares 0.11% 0.11% $200
Christmas Club 0.11% 0.11% $200
Vacation Club 0.11% 0.11% $200
IRA/CESA Share Account 0.41% 0.41% $500


*Annual Percentage Yield
#Minimum balance to obtain APY disclosed
^Requires $5.00 to open account
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

APY^

Minimum Balance#

$1,000 - $9,999 0.16% 0.16% $1,000
$10,000 - $24,999 0.21% 0.21% $10,000
$25,000 - $49,999 0.30% 0.30% $25,000
$50,000 - $99,999 0.35% 0.35% $50,000
$100,000 and above 0.40% 0.40% $100,000


*Requires a minimum balance of $1,000 to open
^Annual Percentage Yield
#Minimum balance to obtain APY disclosed
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.

Certificates

Bold denotes special rate.

Terms

Dividend Rate

APY^

Minimum Balance#

3-Month Certificate 0.15% 0.15% $1,000
6-Month Certificate 0.30% 0.30% $1,000
8-Month Certificate 0.50% 0.50% $1,000
1-Year Certificate 0.46% 0.46% $1,000
14-Month Certificate 1.09% 1.10% $1,000
17-Month Certificate 0.60% 0.60% $1,000
18-Month Certificate 0.60% 0.60% $1,000
2-Year Certificate 0.75% 0.75% $1,000
30-Month Certificate 1.16% 1.17% $1,000
3-Year Certificate 1.39% 1.40% $1,000
4-Year Certificate 1.69% 1.70% $1,000
5-Year Certificate 1.88% 1.90% $1,000
6-Year Certificate 1.74% 1.75% $1,000


^Annual Percentage Yield
#Minimum balance to purchase certificate
There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificates.

Individual Retirement Account Certificates & Health Savings Account Certificates

Bold denotes special rate.

Terms

Dividend Rate

APY^

Minimum Balance#

8-Month Fixed* 0.55% 0.55% $1,000
1-Year Fixed 0.51% 0.51% $1,000
14-Month Fixed* 1.14% 1.15% $1,000
17-Month Fixed* 0.65% 0.65% $1,000
18-Month Fixed* 0.65% 0.65% $1,000
2-Year Fixed 0.80% 0.80% $1,000
30-Month Fixed* 1.21% 1.22% $1,000
3-Year Fixed 1.44% 1.45% $1,000
4-Year Fixed 1.74% 1.75% $1,000
5-Year Fixed 1.93% 1.95% $1,000
6-Year Fixed* 1.79% 1.80% $1,000


*IRA Funds Only
^Annual Percentage Yield
#Minimum balance to purchase certificate
Certificate rates are subject to change without notice. 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.

Disclosure There is a penalty for failure to comply with certificate requirements. Rates are subject to change weekly. You will be paid this rate until first maturity. These are fixed rate certificates.


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