| Shares & Certificates Accounts |
Regular Shares - Minimum Balance of $20. All members are required to have a regular shares account. To receive dividends, you must maintain a minimum daily balance of $100 in your account.
Premium Shares Savings - Earn a high dividend that gets higher as your balance rises.
Share Certificates of Deposit - Available in variable terms. Earn a high rate of return on this investment product. A penalty will or may be imposed for early withdrawl.
Regular Individual Retirement Accounts (IRA) - Earn a high rate of return on this investment account and with possible tax advantages. Both certificates and shares accounts are available. A penalty will or may be imposed for early withdrawl.
Roth and Educational IRA Accounts - Earn a high rate of return on this investment product with possible tax advantages and specific benefits. A penalty will or may be imposed for early withdrawl.
First Investors Club Shares Accounts - This account offers a high dividend rate with the flexibility of limited withdrawals. Deposit limitations apply.
Holiday Club Shares Accounts - Be ready for the holiday season and earn dividends at a special rate. Make multiple deposits and receive one disbursement in November.
Special Shares Accounts - Save for that special event, a separate special shares account will make it easy and profitable.
| Shares & Certificates Rates |
Effective February 25, 2010 >
DIVIDEND RATE |
APY** | |
| Regular Shares | ||
| Minimum Balance $20. Must have minimum balance of $100 to earn interest. | 0.10% |
0.10% |
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| Premium Shares | |
|
| Balance $1000 - $9,999 | 0.25% | 0.25% |
| Balances $10,000 - $49,999 | 0.25% | 0.25% |
| Balances $50,000 + | 0.25% | 0.25% |
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| Holiday Club Shares Account | |
|
| MAXIMUM monthly deposit allowed is $500.00 new money. | 1.00% | 1.01% |
| First Investors Club Shares Accounts | ||
| MAXIMUM monthly deposit allowed $100.00. Maximum account balance limit is $2,500.00. Withdrawal restrictions apply. |
1.00% |
1.01% |
| |
||
| Share Certificates, 6-month | |
|
| Deposits of $500 - $9,999 | .20% | .20% |
| Deposits of $10,000 - $49,999 | .30% | .30% |
| Deposits of $50,000 - $99,999 | .30% | .30% |
| Deposits of $100,000+ | .30% | .30% |
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| Share Certificates, 12-month | |
|
| Deposits of $500 - $9,999 | .35% | .35% |
| Deposits of $10,000 - $49,999 | .50% | .50% |
| Deposits $50,000 + | .50% | .50% |
| Deposits $100,000 + | .50% | .50% |
| |
||
| Share Certificates, 24-month | |
|
| Deposits of $500 - $99,999 | .55% | .55% |
| Deposits $100,000 + | .55% | .55% |
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| Share Certificates, 36-month | |
|
| Deposits of $500 - $99,999 | .75% | .75% |
| Deposits $100,000 + | .75% | .75% |
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| **APY = Annual Percentage Yield. TISA (Truth in Savings Agreement) available upon request at branch. All rates are subject to change without notice. Contact a representative for further information on applicable fees and terms. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are assoicated with the account). |
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(C) 2009 State Center Credit Union. Your savings federally insured to at least $250,000 by NCUA and backed by the full faith and credit of the United States Governement. State Center Credit Union is an Equal Housing Lender.
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