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Savings & Checking Dividend Rates
CERTIFICATE SPECIAL: 16 Month, minimum $1000, 1.10% APY
Bay Area accounts are Federally Insured through NCUA, with Excess Insurance through American Share Insurance.
DIVIDENDS
Dividends are declared by the Board of Directors and reflect current earnings.
We may offer different rates in the future. APY means Annual Percentage Yield.
Account |
Minimum |
Annual
Percentage Yield* |
|
| Savings Accounts (Share Accounts) June 30, 2010 |
Regular Shares, Pay Yourself First, First Mates, and BAYZ Accounts:
|
$5-$4,999 |
.10% APY |
$5,000 to $24,999 |
.10% APY |
$25,000 and over
|
.10% APY |
Business & Community
Savings Accounts:
Fees could reduce earnings |
$5-$4,999 |
.10% APY |
|
$5,000 to $24,999
|
.10% APY |
$25,000 and over
|
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Account |
Minimum |
Annual
Percentage Yield* |
|
| Wealth Builder Account June 30, 2010 |
Wealth Builder
Dividend Rates
Fees could reduce earnings |
Up to $3,500 |
2.00% APY |
$3,500 - $4,999
|
.10% APY |
$5,000 - $24,999 |
.10% APY |
$25,000 - and over |
.10% APY |
| |
Account |
Minimum |
Annual
Percentage Yield* |
|
| Checking (Share Drafts) June 30, 2010 |
CHECKING Plus
Fees could reduce earnings |
-- |
.10% APY |
HIGH Yield Checking
Rate Set Monthly:
Fees could reduce earnings |
|
.10% APY |
|
Over $10,000 |
.15% APY |
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Account |
Minimum |
Annual
Percentage Yield* |
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| Holiday Savings Paid Annually on September 30 |
Holiday Club Accounts Rate paid 9/30/09
|
-- |
.25% APY
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Account |
Minimum |
Annual
Percentage Yield* |
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| Education Savings June 30, 2010 |
Coverdell Education
Savings Account:
|
-- |
.50% APY |
| |
Account |
Minimum |
Annual
Percentage Yield* |
|
| Individual Retirement Accounts (IRA) June 30, 2010 |
Traditional
& Roth IRA:
|
$5 - $4,999 |
.10% APY |
$5,000 to $24,999 |
.25% APY |
$25,000 and Over |
.30% APY |
| |
Account |
Minimum |
Annual
Percentage Yield* |
|
| Money Market Rates may change weekly. Effective 7/07/2010 |
Money Market
Dividend Rates
Fees could reduce earnings |
$2,500 to $9,999 |
.20% APY |
$10,000 - $24,999
|
.20% APY |
$25,000 - $49,000 |
.40% APY |
$50,000 - $99,000 |
.60% APY |
$100,000 and over |
.75% APY |
| |
Account |
Minimum |
Annual
Percentage Yield* |
|
| Share Certificates 6/30/2010 |
Share Certificate Dividend Rates
A penalty will be imposed
for early withdrawal
$1,000 Minimum Balance
|
180-364 Days |
.30% APY |
|
12 Months |
.70% APY |
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24 Months |
1.30% APY |
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36 Months |
1.70% APY |
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48 Months |
2.25% APY |
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60 Months |
2.50% APY |
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