Dividend Rates | Securityplus Federal Credit Union

As a non-profit financial institution, one of the ways we return profits to our members if through higher dividend rates.

Savings
Checking
IRA & Education
Certificates
Money Market

Savings Account Rates

Effective Oct 1, 2018

Description	Dividend Rate	APY*	Min Open Deposit
Share Savings Account**	0.25%	0.25%	$5
Holiday Club Account***	0.25%	0.25%	$25
Name Your Club Account	0.25%	0.25%	$25

*APY = Annual Percentage Yield
**The minimum required to open this account is the purchase of a $5.00 share. If the balance remains below $5.00 in excess of six months, a $1.00 monthly service charge will be assessed. The minimum withdrawal amount is $10.00. Transactions are subject to limitations.
***Transactions are subject to limitations.

Checking Rates

Effective Oct 1, 2018

Description	Dividend	APY	Min Open Deposit
Revive Checking	0.00%	0.00%	$25
Xceptional Checking	2.96%	3.00%*	$0

*APY = Annual Percentage Yield. Dividends are calculated using the daily balance method which applies a daily periodic rate to the principal each day. Members who do not meet the monthly requirements to receive the 3% APY will receive an APY of .05% on their checking account balance. Purchases must have been posted prior to the last day of the month in order to count towards the 15 purchase minimum for that particular month, purchases made but still ‘pending’ are not counted. Rate subject to change.

IRA & Education Savings Account Rates

Effective Oct 1, 2018

Description	Dividend	APY*	Min Open Deposit
Traditional, Roth or Coverdell Share Account	0.25%	0.25%	$25

*APY = Annual Percentage Yield

Certificate Rates

Effective Oct 1, 2018

Type	Term	Dividend	APY*
Share or IRA	5 yr	2.37%	2.40%
Share or IRA	4 yr	2.18%	2.20%
Share or IRA	3 yr	1.88%	1.90%
Share or IRA	2 yr	1.69%	1.70%
Share or IRA	1 yr	1.39%	1.40%
Share	6 mo	0.90%	0.90%
Share	3 mo	0.25%	0.25%

*APY = Annual Percentage Rate. Minimum opening deposit of $1,000, and must be maintained throughout the term of the certificate. Early withdrawal penalties may apply. Advertised rates are rounded to the nearest one hundredth of one percentage point.

Certificate Rates

Effective Oct 1, 2018

Type	Term	Dividend	APY*
Share or IRA	5 yr	2.37%	2.40%
Share or IRA	4 yr	2.18%	2.20%
Share or IRA	3 yr	1.88%	1.90%
Share or IRA	2 yr	1.69%	1.70%
Share or IRA	1 yr	1.39%	1.40%
Share	6 mo	0.90%	0.90%
Share	3 mo	0.25%	0.25%

Money Market Account Rates

Effective Oct 1, 2018

Description	Dividend	APY*	Min Open Deposit
Money Market Account (MMA)	0.25%	0.25%	$1,500
MMA Plus ($5,000 - $49,999.99)	0.35%	0.35%	$1,500
MMA Premier ($50,000 - $249,999.99)	0.40%	0.40%	$1,500
MMA Prestige ($250,000+)	0.45%	0.45%	$1,500

*APY = Annual Percentage Yield.
**The minimum opening deposit required is $1,500 and must be maintained as an average daily balance to obtain the disclosed annual percentage yield. Average daily balances that fall under $1,500, but remain above $500, on any day will receive the checking account annual percentage yield for that day. Average daily balances under $500 will receive no dividends. Transactions are subject to limitations. Dividend rate is subject to change monthly. Please contact a Member Service Representative for details.

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