|
Certificates and IRAs
Annual Percentage Yields (APY) as of May 1, 2013
Certificates
and
IRAs
can be automatically renewed. Annual percentage yields (APYs) subject to change.
Early withdrawal penalty: 90 days dividends on 3, 6, & 12 month certificates;
180 days on certificates 15 months and longer and IRAs. Dividends are calculated on
a daily balance, and credited and compounded monthly. Dividend rates and APYs may
be changed monthly after the account is opened, based on market conditions.
Withdrawals and service charges may reduce earnings.
| Deposit Amount |
Basic MVP*
Level |
Silver MVP*
Level |
Gold MVP*
Level |
| TERM |
COMPOUNDED |
MINIMUM BALANCE TO OPEN & EARN APY |
Dividend Rate |
APY |
Dividend Rate |
APY |
Dividend Rate |
APY |
| 3 month |
@ Maturity |
$5,000 |
0.10% |
0.10% |
0.25% |
0.25% |
0.45% |
0.45% |
| 6 month |
Monthly |
$1,000 |
0.20% |
0.20% |
0.35% |
0.35% |
0.55% |
0.55% |
| 12 month |
Monthly |
$1,000 |
0.45% |
0.45% |
0.60% |
0.60% |
0.80% |
0.80% |
| 18 month |
Monthly |
$1,000 |
0.55% |
0.55% |
0.70% |
0.70% |
0.90% |
0.90% |
| 24 month |
Monthly |
$1,000 |
0.65% |
0.65% |
0.80% |
0.80% |
1.00% |
1.00% |
| 36 month |
Monthly |
$1,000 |
0.90% |
0.90% |
1.05% |
1.06% |
1.25% |
1.26% |
36 month
Step-Up |
Monthly |
$5,000 |
0.65% |
0.65% |
0.80% |
0.80% |
1.00% |
1.00% |
| 48 month |
Monthly |
$1,000 |
1.15% |
1.16% |
1.30% |
1.31% |
1.50% |
1.51% |
| 60 month |
Monthly |
$1,000 |
1.40% |
1.41% |
1.55% |
1.56% |
1.75% |
1.76% |
18 month
Fixed Rate IRA |
Monthly |
$500 |
0.60% |
0.60% |
0.75% |
0.75% |
0.95% |
0.95% |
60 month
Fixed Rate IRA |
Monthly |
$500 |
1.35% |
1.36% |
1.50% |
1.51% |
1.70% |
1.71% |
18 month Variable
Rate IRA |
Daily |
$50 |
0.60% |
0.60% |
< Rate and APY same
on all MVP levels. |
12 month
Fixed Rate Health Savings |
Monthly |
$500 |
0.40% |
0.40% |
0.55% |
0.55% |
0.75% |
0.75% |
*Reach
Membership Value Pricing (MVP) Level with
direct deposit
into an active WESTconsin
personal
checking account
and $15,000 in balances for Silver, or $30,000 or a first
mortgage
real estate loan for Gold.
Amounts over $250,000 are subject to WESTconsin Credit Union's discretion.
Please
contact us
about fees, terms or for more information about any of these accounts.
|
|