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Dividend and Certificate Rates
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This
Schedule contains rates applicable to specified accounts and is
incorporated as a part of
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your account agreement
with Prospectors Federal Credit Union.
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Annual
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Annual
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Account
Type
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Dividend
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Percentage
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Dividend
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Percentage
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Rate
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Yield
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Rate
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Yield
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Regular Shares:
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Money Market: $2,500 minimum balance
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* Balance
Range
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Balance Range
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$ 25.00
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-
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$
999.99
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0.25%
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0.25%
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$
2,500.00
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-
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$ 9,999.99
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0.40%
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0.40%
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$
100.00
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-
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$
999.99
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0.25%
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0.25%
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$ 10,000.00
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-
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$ 24,999.99
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0.50%
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0.50%
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$
1,000.00
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-
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$
9,999.99
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0.25%
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0.25%
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$ 25,000.00
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-
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$ 49,999.99
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0.70%
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0.70%
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$
10,000.00
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-
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$
24,999.99
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0.40%
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0.40%
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$ 50,000.00
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-
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$ 74,999.99
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0.85%
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0.85%
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$
25,000.00
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-
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$
49,999.00
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0.50%
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0.50%
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$ 75,000.00
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-
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$ 99,999.99
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0.85%
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0.85%
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$
50,000.00
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-
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$100,000.00
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0.75%
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0.75%
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$100,000.00
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-
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& Over
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0.99%
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1.00%
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Other Savings:
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Hi-Yield Money
Market: $25,000 minimum
balance
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Minimum Balance
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Balance Range
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Christmas
Club:
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$ -
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0.25%
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0.25%
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$ 25,000.00
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-
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$ 49,999.99
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0.99%
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1.00%
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Share
Draft:
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$
2,500.00
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0.25%
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0.25%
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$ 50,000.00
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-
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$ 74,999.99
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1.14%
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1.15%
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IRA
Shares:
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$ 25.00
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1.25%
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1.26%
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$ 75,000.00
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-
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$ 99,999.99
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1.14%
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1.15%
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$100,000.00
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-
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& Over
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1.24%
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1.25%
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*
Regular share accounts must have a minimum balance of $100.00 to earn
dividends, except for those 18 years of age and under.
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The above rates are variable, subject
to change without notice and are the anticipated rates and annual
percentage yields for the current dividend period
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Share & IRA Certificate Accounts
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$1,000 Minimum
Balance
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$10,000 Minimum
Balance
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$ 100,000 Jumbo
Rates Available
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Rate
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APY*
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Rate
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APY*
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Rate
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APY*
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6
Month Certificate
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0.74%
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0.75%
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0.85%
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0.85%
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1
Year Certificate
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0.99%
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1.00%
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1.09%
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1.10%
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Ask
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2
Year Certificate
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1.68%
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1.70%
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1.78%
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1.80%
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For
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3
Year Certificate
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1.98%
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2.00%
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2.08%
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2.10%
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Rates
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4
Year Certificate
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2.47%
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2.50%
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2.57%
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2.60%
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5
Year Certificate
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2.86%
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2.90%
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2.96%
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3.00%
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Education
Savings Accounts (ESA's): $500
minimum deposit: 2 yr - 5 yr. certificates available. Rates listed above.
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Promotional
Certificates
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$1,000 Minimum
Balance
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$10,000 Minimum Balance
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$ 100,000 Jumbo
Rates Available
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Rate
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APY*
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Rate
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APY*
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Rate
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APY*
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**
Liquid Gold Certificate (11 month
term)
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(not available)
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0.99%
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1.00%
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***
Bump It Up Certificate (13 month
term)
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0.99%
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1.00%
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1.09%
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1.10%
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* APY= Annual Percentage Yield. The dividend rates and annual
percentage yields stated for Share Certificate Accounts are offered
effective
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July 22, 2010 and subject to
change without notice. A penalty
may be imposed for early withdrawal.
Share Certificates are fixed rate
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accounts that will earn the stated
dividend rate for the duration of the account term.
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** Liquid Gold Certificate allows
withdrawals in increments of $500.00 to the minimum balance of
$10,000. If the certificate is drawn
below $10,000,
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the account will be closed and a
withdrawal penalty of 90 days interest will be applied.
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*** Bump It Up Certificate allows a 1 time
deposit during the term of the certificate and a 1 time rate bump to the
then current 1 year bump rate.
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Savings Accounts are insured to at
least $250,000 by the National Credit Union Administration
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IRA accounts are insured up to
$250,000 by the National Credit Union Administration
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Prospectors Federal Credit Union reserves the right to make changes at any time without
notice as a result of changes in policy, law or regulation.
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Call the Credit Union for current rates
and terms. Federal regulations
prohibit payment of dividends in excess of available earnings.
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Effective: August 1, 2010
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