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SHARE ACCOUNTS

Rates effective as of: October, 2013

 

Account Name

Minimum Opening Balance

Minimum Balance to Earn Dividends

Dividend Rate

Annual Percentage Yield (APY)

 

Regular Share Account

$25

$50

0.02%

0.02%

 

Adventurers Club

$5

$5

0.05%

0.05%

 

Java Club

$15

$15

0.05%

0.05%

 

Money Market

$0.01

$0.01 - $4,999.99

0.00%

0.00%

 

 

 

$5,000 - $49,999.99

0.02%

0.02%

 

 

 

$50,000 - $99,999.99

0.03%

0.03%

 

 

 

$100,000-249,999.99

0.05%

0.05%

 

 

 

$250,000 plus 

 0.01% 

 0.01% 

           

 

IRA Share Accounts

$1

$1

0.02%

0.02%

 

(Regular, Roth, Educational)

 

 

 

 

 

  

 

 

 

 

 

TERM SHARE CERTIFICATES**

 

 

 

 

Account Name/Term

Minimum Opening Balance

Minimum Balance to Earn Dividends

Dividend Rate

Annual Percentage Yield (APY)

 

Adventurers Club*

$100

$100

0.10%

0.10%

 

Java Club*

$100

$100

0.10%

0.10%

 

 

 

 

 

 

 

6-Month

$500

$500

0.07%

0.07%

 

 

$10,000

$10,000

0.10%

0.10%

 

 

$95,000

$95,000

0.12%

0.12%

 

 

 

 

 

 

 

1-Year

$500

$500

0.08%

0.08%

 

 

$10,000

$10,000

0.12%

0.12%

 

 

 

 

 

 

 

2-Year

$500

$500

0.13%

0.13%

 

 

$10,000

$10,000

0.23%

0.23%

 

 

 

 

 

 

 

3-Year

$500

$500

0.30%

0.30%

 

 

$10,000

$10,000

0.40%

0.40%

 

 

 

 

 

 

 

IRA TERM SHARE CERTIFICATES

 

 

 

 

Account Name/Term

Minimum Opening Balance

Minimum Balance to Earn Dividends

Dividend Rate

Annual Percentage Yield (APY)

 

6-Month

$500

$500

0.07%

0.07%

 

 

$10,000

$10,000

0.10%

0.10%

 

 

$95,000

$95,000

0.12%

0.12%

 

 

 

 

 

 

 

1-Year

$500

$500

0.08%

0.08%

 

 

$10,000

$10,000

0.12%

0.12%

 

 

 

 

 

 

 

2-Year

$500

$500

0.13%

0.13%

 

 

$10,000

$10,000

0.23%

0.23%

 

 

 

 

 

 

 

3-Year

$500

$500

0.30%

0.30%

 

 

$10,000

$10,000

0.40%

0.40%

 

This rate schedule states rates applicable to specified accounts and fees common to all accounts. This Schedule is incorporated as part of your account agreement with MY Credit Union.

For purposes of this disclosure, the dividend rate and annual percentage yield stated for the term share accounts were offered and were accurate as of 12:00 AM, PST of the effective date listed above. Please contact My Credit Union at (650) 366-5522 to obtain current rates.

Members' accounts are insured by the National Credit Union Administration up to $250,000.

Rates and Conditions subject to change at any time.

* Term of 6-months up to 1-year.  Member must meet youth account age requirements.
** An early withdrawal penalty may apply if you withdraw principal from your account before the maturity date.

Dividend Declaration Date on Certificate accounts: January 15, 2014.

 

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