Savings Rates

Regular and IRA Share Certificate Rates
Effective Date: Saturday, January 21st, 2017
$500 Minimum
TermAPRAPY*
3 Months 0.25% 0.25%
6 Months 0.30% 0.30%
12 Months 0.40% 0.40%
18 Months 0.45% 0.45%
24 Months 0.65% 0.65%
36 Months 0.75% 0.75%
48 Months 1.00% 1.00%
60 Months 1.24% 1.25%

Simple Saver Share Certificate
Effective Date: Saturday, January 21st, 2017
$50 Minimum - Can Deposit Additional Money Anytime
TermAPRAPY*
12 Months 0.25% 0.25%
APY = Annual Percentage Yield.

*APY = Annual Percentage Yield.

The rates quoted above are accurate and effective for the above accounts as of the effective date indicated and are subject to change. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, interest will be credited to your account and compounded every month. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. All share certificates are non-transferrable. If you have any questions or need current rate information on your accounts, please call 573-581-8651.

Share Savings Accounts
Effective Date: Saturday, January 21st, 2017
Min, Balance to Earn Div.Last Declared Dividend RateAPY*
$1.00 (Regular Shares) 0.20% 0.20%

Money Market Accounts
Effective Date: Saturday, January 21st, 2017
Includes Regular and IRA
Average Daily BalanceDividend RateAPY*
$0 - $2,499.99 0.00% 0.00%
$2,500 - $9,999.99 0.25% 0.25%
$10,000 - $19,999.99 0.25% 0.25%
$20,000 - $49,999.99 0.35% 0.35%
$50,000 and over 0.40% 0.40%
APY = Annual Percentage Yield.

Checking Accounts
Effective Date: Saturday, January 21st, 2017
Average Daily BalanceDividend RateAPY*
Reward Checking
$0 - $25,000 1.24% 1.25%
Over $25,000 0.15% 0.15%
Requirements Not Met 0.10% 0.10%
Initial deposit of $50 required to open Reward Checking. No minimum balance required to maintain.
Checking Plus
$0 - $10,000 0.05% 0.05%
Over $10,000 0.05% 0.05%
Personal Checking Plus - No interest if balance drops below $500.
Business Checking Plus - No interest if balance drops below $1000.
*APY = Annual Percentage Yield.

This rate schedule states rates applicable to specified accounts. Dividends are credited to your account and compounded quarterly. (Money Market interest is credited monthly) This schedule is incorporated as a part of your account agreement with your Credit Union. *Minimum balance requirements apply to average daily balance (amount of principal in account each day). Fees or other conditions could reduce the earnings on the account.

**All savings and checking rates are variable, this means the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.

Equal Housing Lender National Credit Union Administration