Rates Effective as of February 8, 2012
APY = Annual Percentage Yield
APY and dividend rates may change at any time as determined by the credit union board of directors
|
HSA Share Certificate
|
Dividend Rate
|
APY
|
| 91 Day |
0.20 |
0.20 |
| 6 Month |
0.25 |
0.25 |
| 1 Year |
0.40 |
0.40 |
| 18 Month |
0.45 |
0.45 |
| 2 Years |
0.60 |
0.60 |
| 30 Month |
0.65 |
0.65 |
| 3 Years |
0.85 |
0.85 |
| 4 Years |
1.00 |
1.00 |
| 5 Years |
1.49 |
1.50 |
|
Mini Jumbo HSA
$50,000 to $99,999
|
Dividend Rate
|
APY
|
| 91 Day |
0.35 |
0.35 |
| 6 Month |
0.40 |
0.40 |
| 1 Year |
0.55 |
0.55 |
| 18 Month |
0.60 |
0.60 |
| 2 Years |
0.75 |
0.75 |
| 30 Month |
0.80 |
0.80 |
| 3 Years |
1.00 |
1.00 |
| 4 Years |
1.15 |
1.15 |
| 5 Years |
1.64 |
1.65 |
|
Jumbo HSA
$100,000 and above
|
Dividend Rate
|
APY
|
| 91 Day |
0.40 |
0.40 |
| 6 Month |
0.45 |
0.45 |
| 1 Year |
0.60 |
0.60 |
| 18 Month |
0.65 |
0.65 |
| 2 Years |
0.80 |
0.80 |
| 30 Month |
0.85 |
0.85 |
| 3 Years |
1.05 |
1.05 |
| 4 Years |
1.20 |
1.20 |
| 5 Years |
1.69 |
1.70 |
Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) – Member term accounts will be subject to early withdrawal penalties amounting to the greater of $25.00 or loss of dividends, whether earned or not, that would have accrued over 50% of their remaining terms.
In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.
Withdrawal of dividends prior to maturity - the annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.