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The Board of Directors declared the following dividend rates effective April 1, 2016 through April 30, 2016:
*Annual Percentage Yield
***Minimum balance required for dividend.
Dividends of less than $.01 earned during the month will not be reflected on the account and do not carry over to the next month.
Any Certificate Account can be opened as an IRA. There may be penalties assessed for early withdrawal. Fees may reduce earnings.
1If your daily balance is $10,000 or less, the interest rate paid on the entire balance in your account will be .13% with annual percentage yield (APY) of .13%.
2 If your daily balance is $10,000.01 or more, the interest rate paid on the entire balance in your account will be .15% with annual percentage yield (APY) of .15%.
Variable Rate Certificates
When Dividend Rates Change: The dividend rate for certificates may change on the first day of the month. The amount will be added to the original balance and the sum will be subject to the dividend rate then in effect for certificates.
Index: Adjustments in the dividend rate will be based on the Federal Home Loan Bank’s 11th District Cost of Funds. Call (415) 616-2600 for current rate.
How Dividend Rates Change: Before each change date, the current index amount will be determined and a margin established by the Board of Directors of this Credit Union, will be deducted. This is the new dividend rate and is effective on the first day of the month. This rate will apply to the balance of your account.