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Account Agreement | Truth In Savings
For additional information, please contact UFCU 562-944-4842
Term Share Certificates - Regular Shares and Individual Retirement Accounts
Effective Date: SEPTEMBER 1, 2010 THROUGH SEPTEMBER 30, 2010
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Term
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Minimum To Obtain Rate / APY*
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Dividend Rate
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Annual Percentage Yield
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Dividend Method / Compounding Frequency |
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6 months
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$2,500
$10,000
$50,000
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.90%
1.00%
1.05%
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.90%
1.00%
1.05%
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Average Daily Balance Qtrly / Paid
On Last Day of Qtr & At Maturity / Compounded Qtrly |
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1 year
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$2,500
$10,000
$50,000
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1.10%
1.19%
1.24%
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1.10%
1.20%
1.25%
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Average Daily Balance Qtrly / Paid
On Last Day of Qtr & At Maturity / Compounded Qtrly |
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2 years
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$2,500
$10,000
$50,000
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1.39%
1.49%
1.54%
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1.40%
1.50%
1.55%
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Average Daily Balance Qtrly / Paid
On Last Day of Qtr & At Maturity / Compounded Qtrly |
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3 years
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$2,500
$10,000
$50,000
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1.79%
1.89%
1.94%
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1.80%
1.90%
1.95%
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Average Daily Balance Qtrly / Paid
On Last Day of Qtr & At Maturity / Compounded Qtrly |
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* APY = Annual Percentage Yield
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Regular Share (Savings) and Individual Retirement Accounts (IRA)
Effective Date: JULY 1, 2010 THROUGH SEPTEMBER 30, 2010
Share Draft / Checking Accounts
Effective Date: JULY 1, 2010 THROUGH SEPTEMBER 30, 2010
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Account Type
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Minimum To Obtain Rate / APY*
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Dividend Rate
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Annual Percentage Yield
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Dividend Method / Compounding Frequency |
| Regular Share Account |
| $250 - $2,499 |
| $2,500 - $9,999 |
| $10,000 - $49,999 |
| $50,000 & OVER |
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Average Daily Balance Qtrly / Paid on Last Day of Qtr & Compounded Qtrly |
| Individual Retirement Account |
$250 & Over
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1.19%
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1.20%
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Average Daily Balance Qtrly / Paid on Last Day of Qtr & Compounded Qtrly |
| Share Draft / Checking Account |
$1,000 - $2,499
$2,500 & Over
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.60%
.70%
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.60%
.70%
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Average Daily Balance Monthly / Paid on Last Day of Month & Compounded Monthly |
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* APY = Annual Percentage Yield
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ALL REGULAR SHARE, INDIVIDUAL RETIREMENT ACCOUNT, SHARE DRAFT/CHECKING and TERM SHARE CERTIFICATE ACCOUNT dividend rates and annual percentage yields are variable and discretionary. UFCU may change the dividend rate & annual percentage yield without notice. REGULAR SHARE (SAVINGS) and INDIVIDUAL RETIREMENT ACCOUNT rates may change quarterly. SHARE DRAFT/CHECKING ACCOUNT rates may change monthly. TERM SHARE CERTIFICATE ACCOUNT rates may change weekly. Shareholders have the right to request account disclosures containing the terms, changes, and dividend rates of the account.
The approximate annual percentage yield is indicated for the initial period and is given for comparative purposes only. The actual annual percentage yield earned is dependent upon a number of variable factors such as: type of account, transaction activity, term, charges, etc. Fees incurred may reduce earnings on any of these accounts. On investments of less than one-year stated maturity, the quoted annual percentage yield assumes principal and dividends remain in the account for twelve months or one year. There is a substantial penalty for early (premature) withdrawal of TERM SHARE CERTIFICATE funds other than dividends. There may be a penalty for early withdrawal of IRA funds in each account type, and must be 59 1/2 years of age to withdraw IRA TERM SHARE CERTIFICATE dividends without penalty. If you close any of these accounts before dividends are paid, you will not receive the accrued dividends.
Calculators | Fee Schedule | Applications
Account Agreement | Truth In Savings
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