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CHECKING & SAVINGS RATES
RATES EFFECTIVE AS OF NOVEMBER 26, 2008
Savings Products
Dividend Earning Checking Accounts
Vantage Money Market - Tiered Rates (1,5)*
| Account |
Min.
Balance |
Dividend
Rate |
Annual
Percentage
Yield (APY)*
|
Compounding
Period |
Vantage Money
Market(1,5)* |
$0.01 - $24,999
|
0.00%
|
0.00%
|
Monthly
|
|
|
$25,000 - $49,999
|
1.88%
|
1.90%
|
Monthly
|
|
|
$50,000 - $99,999
|
2.08%
|
2.10%
|
Monthly
|
|
|
$100,000 - $149,999
|
2.28%
|
2.30%
|
Monthly
|
|
|
$150,000 - $249,999
|
2.28%
|
2.30%
|
Monthly
|
|
|
$250,000 & Over
|
2.28%
|
2.30%
|
Monthly
|
*APY = Annual Percentage Yield. $25,000 minimum deposit to open. $25,000 minimum daily balance required to earn dividends, you will not earn dividends during days in which your balance is below $25,000. Limited transaction account. Rates may vary after the account is opened.
Vantage Checking (5,6)**
| Account |
Min.
Balance |
Dividend
Rate |
Annual
Percentage
Yield (APY)**
|
Compounding
Period |
| VantageChecking(5,6)** |
$0.01 - $9,999
|
0.35%
|
0.35%
|
Monthly
|
|
|
$10,000 - $24,999
|
1.24%
|
1.25%
|
Monthly
|
|
|
$25,000 - $49,999
|
1.74%
|
1.75%
|
Monthly
|
|
|
$50,000 - $99,999
|
1.93%
|
1.95%
|
Monthly
|
|
|
$100,000 & Over
|
2.13%
|
2.15%
|
Monthly
|
**APY = Annual Percentage Yield. $10,000 Minimum deposit to open. $10,000 minimum daily balance required to waive $15 monthly service charge, fees may reduce the earnings on all accounts for which a minimum balance or transaction fees may be imposed. Rates may vary after the account is opened.
Premium Checking(6)***
| Account |
Min.
Balance |
Dividend
Rate |
Annual
Percentage
Yield (APY)***
|
Compounding
Period |
| Premium Checking(6)*** |
$0.01
|
0.50%
|
0.50%
|
Monthly
|
***APY = Annual Percentage Yield. $50 minimum deposit to open. $2,000 minimum daily balance checking balance or $25,000 in Combined loan and deposit balances required to waive $15 monthly service charge, fees may reduce the earnings on all accounts for which a minimum balance or transaction fees may be imposed. Rates may vary after the account is opened.
Savings Products
Regular (7), Youth Accounts(7), & Holiday Saver(6)****
| Account |
Min.
Balance |
Dividend
Rate |
Annual
Percentage
Yield (APY)****
|
Compounding
Period |
| Regular Share (7)*** |
$100.00
|
0.80%
|
0.80%
|
Quarterly
|
| Holiday Saver(6)*** |
$25.00
|
0.80%
|
0.80%
|
Monthly |
****APY = Annual Percentage Yield. Fees may reduce the earnings on all accounts for which a minimum balance or transaction fees may be imposed. Rates may vary after the account is opened.
Savings Products
Market Daily Shares -Money Market (1,5)****
| Balance |
Dividend
Rate |
Annual
Percentage
Yield (APY)****
|
Compounding
Period |
|
$0.01 - $2,499.99
|
0.80%
|
0.80%
|
Monthly
|
|
$2,500.00 - $9,999.99
|
1.00%
|
1.00% |
Monthly |
|
$10,000.00 - $24,999.99
|
1.24%
|
1.25%
|
Monthly |
|
$25,000.00 - $49,999.99
|
1.49%
|
1.50%
|
Monthly
|
|
$50,000.00 - $99,999.99
|
1.64%
|
1.65%
|
Monthly
|
|
$100,000.00 & Over
|
1.88%
|
1.90%
|
Monthly
|
Savings Products
IRA Accumulator (5,7)*****
| Balance |
Dividend
Rate |
Annual
Percentage
Yield (APY)*****
|
Compounding
Period |
|
$100.00 - $1,999.99
|
0.80%
|
0.80%
|
Quarterly
|
|
$2,000.00 - $24,999.99
|
1.49%
|
1.50% |
Quarterly
|
|
$25,000.00 & Over
|
1.99%
|
2.00%
|
Quarterly
|
*****APY = Annual Percentage Yield. Fees may reduce the earnings on all accounts for which a minimum balance or transaction fees may be imposed. Rates may vary after the account is opened. Interest penalty may be imposed for early withdrawal
APY = Annual Percentage Yield. APR = Annual Percentage Rate.
(1) Rates shown are accurate as of the effective date and are subject to change without notice, unless otherwise disclosed. Current rates may be obtained by calling us at (951) 656-4411, press 3; or toll-free at (888) 696-2724, press 3.
(2) No additional deposits are permitted to this Certificate once the account is opened.
(3) 7-month term renews into a 6-month term; 14-month renews into a 12-month term.
(4) Account holder may elect to increase ("Bump-up") the interest rate one time during the term of this Certificate, to the rate in effect at the time the election is made, for like certificates offered by the credit union.
(5) APY and APR for each tier will be paid on the entire balance in the account.
(6) APY and APR shown are as of the last declaration date which was November 19, 2008.
(7) APY and APR shown are as of the last declaration date which was September 24, 2008.
****APY = Annual Percentage Yield. Fees may reduce the earnings on all accounts for which a minimum balance or transaction fees may be imposed. Rates may vary after the account is opened.
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