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SAVINGS RATES

RATES PAID ON ACCOUNTS FOR THIRD QUARTER 2008

Dividends are declared and paid at the end of each calendar quarter (March, June, September, December). The more you "save", the more you earn.

 

*APY - Annual Percentage Yield.  Rate is subject to change.

EFFECTIVE: 12/18/2008

CD rates are changed monthly, usually around the 15th. For the most current rates, please contact the credit union at 713-704-3980.

   TIME DEPOSIT    

(CD's)

REGULAR

($1,000 to $24,999)

 

SUPER

($25,000 to $49,999)
 

JUMBO

($50,000 plus)
 

DIVIDEND

RATE

      APY*
 

DIVIDEND

RATE
 		          APY*

 

DIVIDEND

RATE

           APY*

PAYROLL CD**
 
2.60%                2.69%
   
 N/A                      N/A
 

 
N/A                        N/A

6 MONTH CD

 
2.00%                 2.02%

   
2.25%                  

2.28%
 

 
250%                       2.53%

12 MONTH CD
 
2.15%                2.17%
 

 
2.40%                 2.43%

 

 
2.65%                       2.68%

18 MONTH CD
 
2.20%                2.22%
 

 
2.45%                 2.48%

 

 
2.70%                       2.74%

24 MONTH CD
 
2.65%               2.69%
 

 
2.45%                 2.48%

 

 
2.70%                        2.74%

36 MONTH CD
 
2.50%              2.53%
   
2.75%                2.79%
 

 
3.00%                       3.05%

48 MONTH CD
 
2.85%               2.89%
 

 
3.10%               3.15%

 

 
3.35%                       3.40%

60 MONTH CD
 
3.20%                3.24%
 

 
3.45%                  3.40%

 

 
3.70%                        3.75%

A penalty may be imposed for early withdrawals before maturity date.

 *APY - Annual Percentage Yield.  Rate is subject to change.

**Payroll CD will earn the lowest Super Share rate plus 0.25 percentage points for balances between $100.00 and $1000.00.

Holiday Shares (H)                                                       Minor's Shares (D)                                            
$25 to $500 1.01%*   $25 to $500 1.01%*
$501 to $10,000 1.26%   $501 to $10,001 1.26%
$10,001 to $25,000 1.51%   $10,001 to $25,000 1.51%
$25,001 to $50,000 2.02%   $25,001 to $50,000 2.02%
$50,000 plus 2.27%   $50,000 plus 2.27%

*APY - Annual Percentage Yield.  Rate is subject to change.

Share Draft (X)                      5 Star Share Draft (9)  
$0.01 plus 0.35%*   $1,000 plus 1.76%*

 *APY - Annual Percentage Yield.  Rate is subject to change.

Shares Account (A, B, C)

 

 

   Super Shares Account (S)  
$25 to $1,000 0.25%*                $500 to $10,000 1.26%*
$1,001 to $2,500 0.50%   $10,001 to $25,000 1.51%
$2,501 to $5,000 0.75%   $25,001 to $50,000 2.02%
$5,001 to $10,000 1.01%   $50,001 plus 2.52%
$10,001 to $25,000 1.26%      
$25,000 plus 1.51%      

TRADITIONAL IRA (I)           
$25 TO $500   2.51%*
$501 TO $10,000   2.67%
$10,001 TO $25,000   2.83%
$25,001 TO $50,000   2.93%
$50,000 PLUS   3.03%

*APY - Annual Percentage Yield.  Rate is subject to change.

  All accounts must remain open through the end of the dividend period or the maturity date to be paid the accrued dividends.  Dividends are paid at the end of the period from the current income and the available earnings after required transfers and reserves.  Refer to our account options and Rate and Fee Schedule for account requirements and disclosures.

 
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