Share Rates
| Account Type |
Annual Percentage Yield |
Dividend Rate |
Compounds |
| Prime Savings |
0.15% |
0.15% |
Quarterly |
| C.U.T.M.A. Minor Saving* |
0.15% |
0.15% |
Quarterly |
| IRA Shares |
0.15% |
0.15% |
Monthly |
| Roth IRA/Roth Conversion IRA
Shares |
0.15% |
0.15% |
Monthly |
| Automatic Monthly Income |
0.15% |
0.15% |
Monthly |
| Holiday Club |
0.15% |
0.15% |
Daily |
Checking Rates
| Account Type |
Annual Percentage Yield |
Dividend Rate |
Compounds |
| Premier |
0.00% |
0.00% |
N/A |
| Premier Gold |
0.15% |
0.15% |
Monthly |
| Business** |
0.00% |
0.00% |
N/A |
| Money Market (Wealth Mgt.) ^
|
| Minimum Balance |
Annual Percentage Yield |
Dividend Rate |
Compounds |
| $15,000 - $24,999 |
1.98% |
1.96% |
Daily |
| $25,000 - $49,999 |
2.84% |
2.80% |
Daily |
| $50,000+ |
2.89% |
2.85% |
Daily |
| Money Market
|
| Minimum Balance |
Annual Percentage Yield |
Dividend Rate |
Compounds |
| $0 - $2,499 |
0.00% |
0.00% |
Daily |
| $2,500 - $24,999 |
1.26% |
1.25% |
Daily |
| $25,000 - $49,999 |
2.84% |
2.80% |
Daily |
| $50,000+ |
2.89% |
2.85% |
Daily |
*Minor & Regular Share Certificate Rates
| Term |
Annual Percentage Yield |
Dividend Rate |
Minimum Bal. |
Compounds |
| 3 months |
2.43% |
2.40% |
$1,000 |
Monthly |
| 6 months |
2.53% |
2.50% |
$1,000 |
Monthly |
| 1 year |
3.51% |
3.45% |
$1,000 |
Monthly |
| 1 year, minor* |
3.51% |
3.45% |
$500 |
Monthly |
| 2 years |
3.51% |
3.45% |
$1,000 |
Monthly |
| 3 years |
3.61% |
3.55% |
$1,000 |
Monthly |
| 4 years |
4.28% |
4.20% |
$1,000 |
Monthly |
| 5 years |
4.39% |
4.30% |
$1,000 |
Monthly |
Jumbo Share Certificate Rates
| Term |
Annual Percentage Yield |
Dividend Rate |
Minimum Bal. |
Compounds |
| 1 year |
3.51% |
3.45% |
$90,000 |
Monthly |
| 2 years |
3.51% |
3.45% |
$90,000 |
Monthly |
| 3 years |
3.61% |
3.55% |
$90,000 |
Monthly |
| 4 years |
4.28% |
4.20% |
$90,000 |
Monthly |
| 5 years |
4.39% |
4.30% |
$90,000 |
Monthly |
IRA & ROTH IRA Certificate Rates
| Term |
Annual Percentage Yield |
Dividend Rate |
Minimum Bal. |
Compounds |
| 3 months |
2.43% |
2.40% |
$250 |
Daily |
| 6 months |
2.53% |
2.50% |
$250 |
Daily |
| 1 year |
3.56% |
3.50% |
$250 |
Daily |
| 2 years |
3.82% |
3.75% |
$250 |
Daily |
| 3 years |
3.61% |
3.55% |
$250 |
Daily |
*For minors only (up to 18 years old)
** Business checking account may be opened with as little as $200, but the account must maintain a minimum daily balance of $2,000 to avoid a monthly fee. Refer to Master Account Disclosure, Fee Schedule for complete information on deposit minimums, account terms and related conditions.
^ $15,000 is required to open a Wealth Management Money Market account and the listed tier balance must be maintained each day to earn disclosed APY. A monthly service charge of $10 will be waived if you maintain a minimum daily balance requirement of $10,000. If at anytime your Wealth Management Account balance drops below $15,000, your rate will default back to the standard Money Market Account. Dividends will continue to
compound daily. This rate is applicable to "new money", meaning funds not already on deposit at Sterlent Credit Union. Members are allowed up to six (6) withdrawals per month and up to three (3) of these six (6) withdrawals can be made by check for at least $500. Refer to your Master Account Disclosure for Regulation D limitations. APY is effective as of July 31, 2008 and is subject to change without notice. MENTION PROMO CODE "WMS88" WHEN DEPOSITING FUNDS
Rates and terms are effective as of July 31, 2008 for Share Certificates, and subject to change without notice.
Rates and terms are effective as of July 22, 2008 for Share Savings Accounts, and subject to change without notice.
|
