Checking and Savings Rates

As of January 19, 2012.

This Interest Rate Schedule reflects the interest rates to specified accounts and fees common to all accounts.  This schedule is incorporated as a part of your account agreement with Episcopal Federal Credit Union. The dividend rate and Annual Percentage Yield (APY) stated are the most recent within seven calendar days and were accurate as of January 19, 2012.

 

Basic Accounts

    
Minimum Minimum Annual Dividend
Opening To Earn Dividend Percentage Declaration
Type Balance Dividend Rate Yield Date
Regular/Special Share Acounts Variable 25 100 Monthly
Tier I   $100 - $999 0.05% 0.05%
Tier 2   $1,000 - $4,999 0.05% 0.05%
Tier 3   $5,000 - $14,999 0.10% 0.10%
Tier 4   $15,000 - $24,999 0.10% 0.10%
Tier 5   $25,000 - $49,999 0.15% 0.15%
Tier 6   $50,000 - $99,999 0.15% 0.15%
Tier 7   $100,000 - Over 0.20% 0.20%
 
Youth Share Account Variable $5 $1 0.20% 0.20% Monthly
Christmas Club Variable $0 $1 0.20% 0.20% Monthly

 

Share Draft Accounts

        


Product		 Minimum
Opening
Balance		 Minimum
To Earn
Dividend
Dividend
Rate		 Annual
Percentage
Yield
Premium $25 $400 0.10% 0.10%
Golden $25 $1 0.15% 0.15%
Corporate
 $25 $500 0.05% 0.05%

 

Money Market Multiplier
The Money Market Multiplier account requires a minimum opening balance of $2,000. Dividends are declared monthly, and paid out monthly as long as the balance does not fall below $2,000.
Tier Dividend Rate Annual Percentage Yield
Tier I    $2,000 - $4,999 0.15% 0.15%
Tier 2   $5,000 - $9,999 0.15% 0.15%
Tier 3   $10,000 - $24,999 0.20% 0.20%
Tier 4   $25,000 - $49,999 0.20% 0.20%
Tier 5   $50,000 - $99,999 0.25% 0.25%
Tier 6   $100,000 and over 0.25% 0.25%
 

 

Certificate Accounts
Minimum Opening Balance 6 months 12 months 24 months 36 months 60 months
Rate/APY Rate/APY Rate/APY Rate/APY Rate/APY
$1,000 - $4,999 .25%/.25% .50%/.50% .80%/.80% 1.30%/1.31% 1.70%/1.91%
 
$5,000 - $14,999 .25%/.25% .50%/.50% .80%/.80% 1.10%/1.10% 1.70%/1.91%
 
$15,000 - $29,999 .30%/.30% .55%/.55% .85%/.85% 1.15%/1.15% 1.75%/1.76%
 
$30,000 - $49,999 .30%/.30% .55%/.55% .85%/.85% 1.15%/1.15% 1.75%/1.76%
 
$50,000 - $99,999 .35%/.35% .60%/.60% .90%/.90% 1.20%/1.21% 1.80%/1.81%
 
$100,000 and over .35%/.35% .60%/.60% .90%/.90% 1.20%/1.21% 1.80%/1.81%
 
NOTE: APY = Annual Percentage Yield.  Dividends are paid quarterly.

 

Retirement Accounts
  Opening Bal. Min. for Div. Div. Rate APY Div. Dec. Date
Traditional/ROTH IRA Shares Variable $0 $1 0.40% 0.40% Monthly
24-Mo Trad/ROTH IRA CD Fixed $1000 $1000 0.85% 0.85% Quarterly
60-Mo Trad/ROTH IRA CD Fixed $2500 $2500 1.75% 1.76% Quarterly
 
Member accounts are federally insured by the National Credit Union Administration up to $250,000.
IRA account funds are insured up to $250,000.
Please Call (800) 245-0433 to obtain current information.

 

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